DSCR lenders
DSCR lenders: what each of five lenders publishes on its own website about its lending area, credit score, down payment and ratio.
DSCR lenders and their published terms
| Lender | Minimum DSCR | LTV or down payment | Credit score | States it does not lend in |
|---|---|---|---|---|
| Easy Street Capital | No minimum | 80% (20% down) | 640 | None stated |
| Kiavi | 1.10 to prequalify | — | — (a minimum applies) | Mississippi, New Mexico, Rhode Island, Utah, Vermont |
| LendingOne | — | ~75–80% (guide) | — | Alaska, Nevada, North Dakota, South Dakota |
| Lima One Capital | 1.00 (by experience and property) | 80% purchase and rate/term; 75% cash-out | — | None stated |
| New Silver | 0.75 | — | 660 | None stated |
Where a dash appears, the lender's page does not list that term. The rows are arranged in alphabetical order. No lender pays to be listed or to change its position. Every link opens the lender's page directly and adds no extra text to its address.
What each lender states on its page
Easy Street Capital
no minimum DSCR if the deal makes sense otherwise
Our current minimum credit score is 640 for DSCR Loans.
Easy Street Capital's current minimum down payment is 20%.
current minimum loan amount is $100,000
Source: DSCR loans guide
Kiavi
The DSCR must be at a minimum of 1.1 to prequalify.
Most DSCR lenders, including Kiavi, require a minimum FICO score to pre-qualify.
Source: Rental loan process
Lima One Capital
Depending on the borrower's experience and the property's attractiveness, the minimum DSCR is 1.0.
Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
$125,000 minimum value for each property
Source: Rental loan details
New Silver
Minimum FICO score of 660 and minimum DSCR of 0.75 required.
Source: DSCR loan requirements
Our reading of the table
Every figure comes from the page that the lender publishes. If a brief quoted phrase explains the subject better than a number, we retain that wording. We do not rank the lenders because the best choice depends on the file. A lender that publishes no minimum works for a thin ratio, while one with a 1.10 floor may provide better pricing for a strong ratio. Before relying on any figure, confirm it with the lender because terms change.
Kiavi's page identifies Figure Lending LLC as the company that now originates and funds its DSCR loans. The name used for the lender comes from its page.
Before you call a DSCR lender
Use our DSCR loan calculator to check the rent and expected payment, then identify the table minimums cleared by the ratio. Bring a lease or rent estimate, the tax bill and an insurance quote for a landlord policy: those three amounts determine most of the ratio. Our DSCR loan requirements page lists the rest of the file.