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.
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Better rates. One application. 60 seconds — no credit pull.
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.
5/1 ARM
7/1 ARM
30-Year Fixed
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!”
“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.”
“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!”
“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.”
“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.”
“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!!”
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.
The shortest path from deal to closed loan
Tell us about your deal
60 seconds. Property, rent, credit, state. No credit pull.
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.
You pick. You close.
Top 3 offers side-by-side with rate, fees, PPP, and close timeline. Choose and lock.
Free calculators that don't email-wall you
Run your numbers first. We'll shop lenders when you're ready.
Essential DSCR loan pages
Rates, calculator, requirements, and key markets.
Essential DSCR loan pages
- DSCR loan rates todayWeekly tables by credit, LTV, and DSCR tier.
- DSCR loan calculatorRent ÷ PITIA with lender-tier pass/fail.
- DSCR loan requirementsCredit, LTV, reserves, and seasoning rules.
- What is a DSCR loan?Definitive guide: formula and when to use one.
- DSCR pros and consWhen DSCR wins — and when it doesn't.
- DSCR FAQAnswers to every common DSCR question.
- Best DSCR lendersNeutral comparison across national programs.
- Get matchedTop 3 offers in one hour — no credit pull.
Need DSCR in Canada?
Investor DSCR for Canadian properties is on LendCity. This site matches US 1–4 unit DSCR only.