Current DSCR Loan Rates

Live rates for investment property financing

Rates Starting at
6.50%
*Subject to credit and property approval

DSCR Loan Programs & Rates

30-Year Fixed
Predictable payments for long-term holds
6.875%
Range: 6.50% - 8.50%
  • Fixed rate for entire term
  • Predictable monthly payments
  • No rate adjustment risk
  • Perfect for buy-and-hold
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5/6 ARM
Lower initial rate with 5-year fixed period
6.500%
Range: 6.25% - 8.25%
  • Lower starting rate
  • Fixed for first 5 years
  • Adjusts every 6 months after
  • Good for medium-term holds
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Interest Only
Maximum cash flow for first 10 years
7.125%
Range: 6.75% - 8.75%
  • Interest-only for 10 years
  • Maximizes cash flow
  • Then amortizes over 20 years
  • Perfect for cash flow focus
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Factors That Affect Your Rate

Credit Score
Higher credit scores receive better rates. 780+ FICO gets best pricing, while 620-679 may see rate adjustments of 0.25-0.75%.
DSCR Ratio
Higher cash flow properties get better rates. 1.25+ DSCR receives Tier 1 pricing, while 0.75-0.99 DSCR may see rate adjustments.
Loan-to-Value
Lower LTV ratios get better rates. 75% LTV receives best pricing, while 85% LTV may have rate adjustments of 0.125-0.25%.
Prepay Penalty
Longer prepayment penalties offer better rates. 3-year prepay can reduce rates by 0.25%, while no prepay penalty increases rates.
Loan Amount
Larger loan amounts may receive better pricing. Loans over $1M often qualify for institutional pricing tiers.
Property Type
Single-family homes typically receive the best rates. Condos, multifamily, and unique properties may have rate adjustments.

Rate Matrix by Credit Score & DSCR

30-Year Fixed Rates • 75% LTV • 3-Year Prepay

Example rates for illustration. Actual rates vary by loan scenario. Get your personalized quote →
Credit Score DSCR 1.25+ DSCR 1.00-1.24 DSCR 0.75-0.99
780+ 6.500% 6.750% 7.000%
760-779 6.625% 6.875% 7.125%
740-759 6.750% 7.000% 7.250%
720-739 6.875% 7.125% 7.375%
700-719 7.000% 7.250% 7.500%
680-699 7.125% 7.375% 7.625%
660-679 7.250% 7.500% 7.750%
640-659 7.500% 7.750% 8.000%
620-639 7.750% 8.000% 8.250%

Rate Adjustments:

  • 80% LTV: Add 0.125%
  • 85% LTV: Add 0.250%
  • 2-Year Prepay: Add 0.125%
  • 1-Year Prepay: Add 0.250%
  • No Prepay: Add 0.375%
  • Condo/Townhome: Add 0.125%
  • 2-4 Unit: Add 0.250%
Market Update - May 2026

Current Market Conditions

DSCR loan rates remain competitive as investor demand continues strong. Cornerstone First Mortgage's institutional backing provides stable pricing for qualified borrowers.

  • Credit Requirements: Minimum 600 FICO available, best pricing at 740+
  • LTV Options: Up to 85% LTV with select programs
  • Property Types: 1-4 units, STR/Airbnb OK, PadSplit eligible
  • Processing Times: 14-21 day closings standard

Rates shown are subject to change and based on borrower qualification. All loans subject to credit and property approval through Cornerstone First Mortgage.

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Rate Lock Protection

Lock your rate for up to 60 days at no cost. Extended locks available for construction-to-perm and complex transactions. Rate locks are honored through closing, providing peace of mind in volatile markets.

30 Days Standard Lock
60 Days Extended Lock
90+ Days Construction Loans

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