DSCR Loan Rates for October 2026
DSCR loan rates for the week of October 1, 2026 run from 5.80 percent for the best tier to 9.50 percent, with a 5.99 percent program minimum. The capital source sets pricing at lock and it moves with the market.
- Loan size
- PeerSense advises on portfolio and multiple property DSCR files sized at 10 million dollars and up.
- Loan purpose
- Common uses are refinancing, taking cash out, acquiring a property, and buying one.
- Equity and leverage
- Median loan to value is 80 percent. capital sources usually accept 70 to 75 percent loan to value, with 20 percent equity.
- Rate snapshot
- On October 2, 2026, PeerSense Capital Data counted 21 active priced programs; its 5.80 percent lowest tier matched a quote from that date.
Governed DSCR snapshot: from 5.80% (best-tier) · program minimum 5.99%. Credit is lender underwriting. PeerSense does not set a FICO floor. PeerSense sources capital through a curated network of commercial lenders and capital sources.
Live benchmark rates on October 28, 2026
This page updates daily. On October 28, 2026, the board shows current benchmark percentages, changes from 30 days earlier, and 30 day trends.
| Benchmark | Latest value | Change in percentage points | 30 day trend |
|---|---|---|---|
| 5 year TreasuryAs of October 26, 2026 | 4.84% | -0.14 | |
| 10 year TreasuryAs of October 26, 2026 | 5.00% | -0.17 | |
| Prime rateAs of October 26, 2026 | 7.00% | 0.00 |
Benchmark data dated October 28, 2026 comes from Federal Reserve H.15, FRED, CME Term SOFR, and the New York Fed.
Published rate range
| Product | Rate range |
|---|---|
| DSCR loans | 5.80% to 9.50% |
This indicative range comes from dated lender quotes in the PeerSense network snapshot, is not a quote or offer of credit, and final terms are set by the capital source.
Sources: Federal Reserve H.15 (10 yr Treasury), MBA CREF Quarterly
What are current DSCR loan rates as of October 1, 2026?
As of October 1, 2026, the governed DSCR best-tier floor is 5.80% on a 65% LTV stabilized rental, verified 21 Jul 2026 against a dated lender row. Program minimum is 5.99%. Ceiling in this snapshot is 9.50%. Credit is the lender's underwriting. PeerSense does not set a FICO floor. Capture the score on the form. Talk to PeerSense.
, PeerSense Capital Advisory · Updated October 1, 2026 · rate-floors.json
DSCR Rates, October 1, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| DSCR best tier, 65% LTV stabilized rental | from 5.80% | 30-yr fixed |
| DSCR program minimum | 5.99% | 5/6 ARM |
| DSCR ceiling in this snapshot | 9.50% | varies |
- DSCR best tier, 65% LTV stabilized rentalfrom 5.80%
- Term
- 30-yr fixed
- Loan Size
- Market loan size: $200K to $1.5M
- Best For
- Long hold SFR and 1 to 4 unit. Dated lender row.
- DSCR program minimum5.99%
- Term
- 5/6 ARM
- Loan Size
- Network snapshot
- Best For
- Program minimum across loan amount and prepay adjusters.
- DSCR ceiling in this snapshot9.50%
- Term
- varies
- Loan Size
- Network snapshot
- Best For
- Upper bound. Not a quote.
Network pricing snapshot · PeerSense capital advisory · Updated October 1, 2026. from 5.80% (best-tier) · program minimum 5.99%. Credit is lender underwriting. PeerSense does not set a FICO floor. Indicative only. Not a quote, commitment, or offer of credit.
What this snapshot is
- Governed floor 5.80%. Best tier 30 year fixed indication on a 65% LTV stabilized rental, matched to a dated lender row, as of October 1, 2026.
- Program minimum 5.99%. Sourced from rate-floors.json Minimum program rate. Not a PeerSense invented coupon.
- 10 year Treasury 5.00% as of October 28, 2026(FRED DGS10). Spreads are lender underwriting. We do not invent a current coupon from the index.
How a DSCR quote is built. No PeerSense FICO ladder.
Rate sheets stack structure, points, loan size, prepay, property type, and use of proceeds on top of a base. Credit is the lender's box, not a number we publish. A FICO floor on this page would be PeerSense underwriting. We do not.
What we will say
- Governed best tier floor 5.80% from rate-floors.json.
- Program minimum 5.99%. Ceiling 9.50% in this snapshot.
- More equity and stronger rent often open a wider lender pool.
- Capture the score on the form so the file can be routed. That is not a floor.
What we will not say
- No wholesale FICO × LTV grid. That is lender underwriting.
- No invented marketing floor. The governed number is 5.80%.
- No typical down. Equity injection is the lender's box.
- No claim that a named desk will fund your file at a published coupon.
What credit score do you need?
Credit is the lender's underwriting. PeerSense does not set a FICO floor. A DSCR loan qualifies on the property's rent, not your W-2. A thinner personal score often means more equity and a different program, not an automatic no. Capture the score on the form. Talk to PeerSense.
Where to go next
Full DSCR qualification and structure at DSCR Loans. Rental program notes at DSCR rental loans. Portfolio / blanket at DSCR portfolio loans. Run cash flow in the DSCR Calculator. Peer rate hubs at Commercial Lending Rates Hub.
Current DSCR Rates Frequently Asked Questions
What are current DSCR loan rates (October 1, 2026)?+
As of October 1, 2026, the governed DSCR best-tier floor is 5.80% on a 65% LTV stabilized rental. Program minimum 5.99%. Ceiling 9.50%. Credit is lender underwriting. PeerSense does not set a FICO floor.
What FICO score do I need for the lowest DSCR rate?+
Credit is the lender's underwriting. PeerSense does not set a FICO floor. A DSCR loan qualifies on the property's rent, not your W-2. Capture the score on the form. Talk to PeerSense.
How is a DSCR loan rate calculated?+
Each program prices rent, leverage, reserves, property type, rate structure, points, and prepay. Credit is the lender's box. We do not publish a PeerSense FICO ladder. The governed floor is from rate-floors.json.
Can I get a DSCR loan with no points?+
Some programs price a no points structure. Points and prepay are lender underwriting. There is no PeerSense points floor.
What's the DSCR rate for cash out refinance?+
Cash out is a different use of proceeds than purchase. Pricing, LTV, and credit are lender underwriting. PeerSense does not set a FICO floor or a typical cash out coupon.
What's the DSCR rate for foreign national investors?+
Foreign national files route to programs that underwrite without a US SSN. Equity and credit are lender underwriting. PeerSense does not set a FICO floor or a typical down.
Are DSCR rates higher than conventional?+
DSCR qualifies on property cash flow rather than borrower DTI, so the coupon is a different box. The trade off is no income docs, LLC vesting, and no property count cap. Conventional investor is not a PeerSense quote.
Do DSCR loans have prepayment penalties?+
Many DSCR programs carry a step down prepay. No prepay options exist at some desks. Prepay is lender underwriting, not a PeerSense rule.
What's the minimum DSCR ratio?+
A 1.0 DSCR means rent covers PITIA. Programs at and above 1.0 exist. Files below 1.0 often route to a specialty, bridge, or asset based lane first. That is lender underwriting.
Who are the top DSCR lenders today?+
There is no single top DSCR lender. PeerSense is an independent capital advisor. PeerSense sources capital through a curated network of commercial lenders and capital sources. Talk to PeerSense. The capital source sets the terms.
DSCR Loan Rates
As of October 13, 2026, stated DSCR loan rates in the records range from 5.25 percent to 12.24 percent across 19 capital sources that publish a rate. The records include 22 active DSCR capital sources, with loan sizes from $50,000 to $75 million.
| Measure | Figure |
|---|---|
| Active capital sources in records | 22 |
| Loan sizes stated | $50,000 to $75 million |
| Stated rate band across 19 sources | 5.25 percent to 12.24 percent |
| Average stated maximum loan to value | 76.0 percent |
| Minimum debt service coverage required | 0.75x to 1.25x |
| Minimum credit score required | 580 to 725 |
| Median stated closing time | 17.5 days |
Data is from PeerSense records as of October 13, 2026, with records last checked October 11, 2026. Counts only. Figures are indicative and are not a quote or offer of credit.
Test Your Property Coverage
Run the DSCR calculator to test coverage on your property before reviewing potential capital options.
Run DSCR CalculatorSee Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
SBA 7(a) & 504
SearchSearch path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Editorial integrity: Snapshot compiled by PeerSense Capital Advisory from rate-floors.json, effective October 1, 2026. PeerSense sources capital through a curated network of commercial lenders and capital sources. Content is for educational purposes only. Indicative only. Not a quote, commitment, or offer of credit. Final terms are the lender's underwriting.