The lenders below offer DSCR loans for investment properties. The figures are the maximum leverage and minimum thresholds listed for each lender in our lender comparison; your own terms depend on your credit, property and loan size, so always confirm current requirements with the lender. Inclusion is not an endorsement.

1. Griffin Funding

Max LTV up to 80% · Minimum DSCR from 0.75 · Minimum credit score from 680

  • No tax returns or income verification required
  • No limit on number of properties financed
  • Close in as little as 15 days
  • Up to 80% LTV for strong borrowers
  • Interest-only options available

2. Easy Street Capital

Max LTV up to 75% · Minimum DSCR from 1.0 · Minimum credit score from 660

  • Specializes in multifamily and mixed-use properties
  • Foreign national program available
  • No personal income requirement
  • Streamlined application process
  • Cash-out refinance available

3. Visio Lending

Max LTV up to 75% · Minimum DSCR from 1.0 · Minimum credit score from 680

  • Short-term rental properties accepted
  • Interest-only options available
  • No DTI calculations
  • Experience program for first-time investors
  • Portfolio loans for multiple properties

4. CoreVest Finance

Max LTV up to 75% · Minimum DSCR from 1.25 · Minimum credit score from 700

  • Specializes in portfolio loans (5+ properties)
  • Single asset and portfolio bridge loans
  • Build-to-rent financing available
  • No personal income verification
  • Blanket loans for multiple properties

5. Acra Lending

Max LTV up to 80% · Minimum DSCR from 0.75 · Minimum credit score from 620

  • Low credit score options available (min 620)
  • No DSCR options for qualifying properties
  • Cash-out up to 75% LTV
  • Foreign national program
  • Recent credit events may be acceptable

6. Lima One Capital

Max LTV up to 75% · Minimum DSCR from 1.0 · Minimum credit score from 680

  • Construction and renovation financing
  • New construction eligible
  • Portfolio loans available
  • Fast closing options
  • Flexible prepayment terms

7. Rental Home Financing

Max LTV up to 80% · Minimum DSCR from 1.0 · Minimum credit score from 640

  • Specializes in single-family rentals
  • Up to 10 properties per borrower
  • Mixed-use properties accepted
  • Rural properties eligible
  • Manufactured homes considered

8. First National Bank of America

Max LTV up to 75% · Minimum DSCR from 1.25 · Minimum credit score from 700

  • Bank statement loans available
  • Asset depletion programs
  • Interest-only terms up to 10 years
  • No seasoning requirements
  • Luxury property financing

9. Kiavi

Max LTV up to 75% · Minimum DSCR from 1.15 · Minimum credit score from 660

  • Technology-driven lending platform
  • 24-hour commitment timing
  • Portfolio refinancing available
  • Bridge to permanent financing
  • No prepayment penalties after year 1

10. Civic Financial Services

Max LTV up to 80% · Minimum DSCR from 0.85 · Minimum credit score from 620

  • Fix-and-flip loans available
  • DSCR as low as 0.85
  • First-time investor programs
  • Renovation financing included
  • No income verification required

Run your numbers

Check whether a property meets typical lender coverage requirements.

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This article is for educational purposes only and is not financial advice. Terms vary by lender; confirm current requirements before applying.