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America's neutral DSCR loan resource

Shop DSCR loan rates across the wholesale market. We negotiate. You close.

Better DSCR rates, one application. We shop the wholesale market and send the top 3 offers in one business hour. Free. No credit pull. You keep the better rate. We also cover broader investment property financing — DSCR, conventional, and non-QM.

  • Wholesale access — 5,000+ lenders
  • All 50 states
  • No credit pull to match
  • Offers in 1 hour

Get matched

Better rates. One application. 60 seconds — no credit pull.

1. Prop.2. Fin.3. Prof.4. Cont.

Soft match — no credit pull, no spam. Your info stays with licensed brokers only.

Wholesale DSCR lenders

Griffin FundingEasy Street CapitalKiaviVisio LendingDefy MortgageNew SilverLima One CapitalAngel OakLendingOneCoreVestA&D MortgageRidge Street CapitalHomeAbroad
Live DSCR ratesWholesale print

Better DSCR rates · September 1, 2026

Wholesale print at 720 FICO, 75% LTV, DSCR 1.00–1.24. Tables refresh every Monday. Indicative — not a lock.

№ 01 · 5-YEAR ARM

6.375%

5/1 ARM

720 FICO · 75% LTV · DSCR 1.00–1.24 · SFR

№ 02 · 7-YEAR ARM

6.50%

7/1 ARM

720 FICO · 75% LTV · DSCR 1.00–1.24 · SFR

№ 03 · 30-YEAR FIXED

6.75%

30-Year Fixed

720 FICO · 75% LTV · DSCR 1.00–1.24 · SFR

Blended wholesale print for a clean LLC-vested 1–4 unit rental. Actual quote depends on lender, property, state, and points. Not a commitment to lend.

LendCity Mortgages

Google reviews for LendCity Mortgages

Google reviews of LendCity Mortgages, the brokerage behind DSCR Authority.

“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super knowledgeable and took the time to answer every little question I had. He was also very responsive and very patient with me. I would not hesitate to use him again for my next property! Thanks Chris!”

C Rodriguez

2025-09-19

LendCity Mortgages

“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was no longer able to qualify for conventional mortgages. Lendcity has helped me grow and with their help, I now have 14 investment properties. They are the experts at what they do. If you are a real estate investor, I cannot recommend them enough. Expect true professionals, amazing customer service and APPROVALS.Thanks Scott and everyone on the Lendcity team for your help on my most recent deals.”

Simon Euteneier

2021-02-23

LendCity Mortgages

“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10 Google Stars if I could. My wife and I are truly blown away. Prior to discovering Kristen and Scott, my wife and I were told "you've exceeded your borrowing limit and we can't approve you for additional financing" by a few other mortgage brokers / brokerages. If you've heard these words too, you know that is about the most deflating sentence you can hear as someone who is passionate about real estate investing. But, one day, after hearing Scott Dillingham featured on a real estate podcast, I gave him a call. While I figured I'd just be told, yet again, that there was nothing they could do to help me buy another investment property, to my surprise, after talking to Scott, I was approved with an A-lender within a few days...for a higher loan than I was expecting. Kristen, Scott - thank you both SO much. Kelly and I cannot wait to work with you again!”

Nick Finn

2022-04-28

LendCity Mortgages

“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my investment when no one else believed in the deal. Communication was beyond good, passion the team brought was very good. Super satisfied with the attention to detail and service provided.”

Beyond The Deal McAli

2023-01-21

LendCity Mortgages

“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me with my first rental property, they far exceed the service you get from a traditional bank. Kristen and Scott answered all of my questions the same day if not the same hour. I will definitely be using LendCity™ again for any other mortgages in the future.”

Frank Neufeld

2022-05-05

LendCity Mortgages

“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at great rates!!”

Brenda Stokes

2021-08-06

LendCity Mortgages
14
Named DSCR programs compared
5,000+
Wholesale lender access
50
States + DC
26
Free investor tools
Key concepts

What is a DSCR loan?

DSCR stands for Debt Service Coverage Ratio: monthly property income ÷ monthly loan payment (principal, interest, taxes, insurance, and HOA dues). The property qualifies itself — not the borrower's personal income or tax returns.

DSCR = Gross monthly rent ÷ Monthly loan payment (PITIA)

Example: If rent is $2,000/mo and total payment is $1,600/mo, DSCR = 2,000 ÷ 1,600 = 1.25 — qualifies.

≥ 1.25
Excellent
1.00–1.24
Qualifies (standard)
0.75–0.99
Marginal / special programs
No-ratio
Reduced LTV programs
How it works

The shortest path from deal to closed loan

  • № 0101

    Tell us about your deal

    60 seconds. Property, rent, credit, state. No credit pull.

  • № 0202

    We filter the market to programs that can fund this file

    Credit, LTV, property type, and state knock out almost everyone. You see the three that win.

  • № 0303

    You pick. You close.

    Top 3 offers side-by-side with rate, fees, PPP, and close timeline. Choose and lock.

Tools26 tools

Free calculators that don't email-wall you

Run your numbers first. We'll shop lenders when you're ready.

Library

Essential DSCR loan pages

Rates, calculator, requirements, and key markets.

Essential DSCR loan pages

Canada

Need DSCR in Canada?

Investor DSCR for Canadian properties is on LendCity. This site matches US 1–4 unit DSCR only.

Frequently asked

Common questions about DSCR matching

What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property on its rental income relative to debt service (PITIA: principal, interest, taxes, insurance, and association dues) — not the borrower's personal income or tax returns. Formula: DSCR = Monthly Rent ÷ Monthly PITIA. Most lenders prefer 1.0+ DSCR; 0.75–0.99 and no-ratio programs exist at reduced LTV.
What is DSCR Authority and how do you get paid?
DSCR Authority is an independent editorial resource and loan-matching service. We don't originate loans. When matched borrowers choose a partner lender and close, the lender pays us a referral fee. Lender compensation never influences our comparisons, rate tables, or editorial content.
Does getting matched affect my credit score?
No. Our initial matching uses only the details you share — property value, estimated DSCR, FICO, state, and loan purpose. No hard credit pull happens until you choose a lender and formally apply.
How fast will I hear back after submitting my deal?
A licensed DSCR specialist typically calls or emails within one business hour during business days. Top 3 lender offers are usually available within the same business day for standard scenarios.
What DSCR do I need to qualify?
Most lenders prefer 1.0 DSCR or higher, but many accept 0.75–0.99 with compensating factors (higher credit, lower LTV, more reserves). A handful offer no-ratio programs with no DSCR minimum. Our calculator shows exactly where you land.
Can I get a DSCR loan in an LLC?
Yes — entity vesting is the norm for DSCR loans. Single-member LLCs, multi-member LLCs, and many S-Corps are accepted. A personal guarantee is almost always required from 20-25%+ beneficial owners.
What states do you cover?
All 50 states plus DC. We match you with lenders licensed and actively lending in your property's state. Some states (Texas, Georgia, Pennsylvania, Rhode Island, New York, Minnesota, New Jersey, Hawaii, Massachusetts, New Mexico) have unique rules — see your state guide for specifics.
Do you originate DSCR loans in Canada?
No — this site matches US 1–4 unit DSCR. Canadian investor DSCR (Canada properties) is originated by LendCity Mortgages at https://lendcity.ca/mortgage-financing-for-canadians-in-canada/dscr-loans/.
Ready?DSCR Authority is operated by LendCity America.

Get your top 3 DSCR offers today.

Free. No credit pull. One business hour turnaround. Zero pressure. One application — we shop the wholesale DSCR market.

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