What are DSCR loan LLPAs?

Loan Level Price Adjustments (LLPAs) are pricing adjustments that DSCR lenders apply based on risk factors like FICO score, LTV ratio, DSCR ratio, property type, and loan purpose. A negative LLPA (e.g., -1.000) means the borrower pays more in points. A positive LLPA means a credit toward closing costs. Understanding your LLPAs helps you compare lender pricing accurately.

How do FICO and LTV affect DSCR loan pricing?

DSCR lenders use a FICO x LTV grid to determine pricing adjustments. For example, a borrower at 720-739 FICO with 80% LTV might see a -2.500 point adjustment, while the same FICO at 70% LTV would see only -1.250 points. Lower FICO and higher LTV both increase the pricing adjustment. At 85% LTV, adjustments can reach -7.000 or worse for lower FICO scores.

Do states affect DSCR loan pricing?

Yes. Some states carry additional LLPA hits. States like CT, IL, NJ, and NY typically see -0.25 to -0.50 point adjustments depending on LTV tier. These are in addition to the base FICO x LTV adjustments.

Is this LLPA estimator a rate quote?

No. This tool estimates pricing adjustments only — not interest rates. Actual rates depend on market conditions, lender margins, and your specific deal. Contact us for a personalized analysis across our 13+ lender network.

DSCR LLPA Pricing Estimator | Loan Level Price Adjustments

Your Deal Profile

FICO Score

LTV (Loan-to-Value)

DSCR Ratio

Loan Purpose

Property Type

Property State

Short-term rental (Airbnb/VRBO)?

Estimated Pricing Adjustments

FICO × LTV Adjustment —

Loan Purpose Adjustment —

Property Type Adjustment —

State Adjustment —

Short-Term Rental Hit —

Total Estimated LLPA (points) —

Adjust the inputs on the left to see how pricing adjustments change.

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This estimator shows base LLPA adjustments. Actual pricing includes base rate, lender margins, and program-specific overlays. We analyze your deal across 13+ lenders to find the best total cost.

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FICO × LTV LLPA Reference Grid

This is the base pricing adjustment grid used by DSCR lenders. Find your FICO band (rows) and LTV tier (columns) to see the point adjustment. Your specific deal may include additional adjustments for property type, state, and loan purpose.

FICO Band

≤50%

55%

60%

65%

70%

75%

80%

85%

Values are in points (1 point = 1% of loan amount). Negative values are costs to borrower. N/A means that FICO/LTV combination is not available. Grid is populated from aggregated lender data (June 2026, 13+ lenders).

DSCR LLPA Pricing Estimator

Your Deal Profile

Estimated Pricing Adjustments

Want your exact pricing?

FICO × LTV LLPA Reference Grid

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