Today's DSCR Loan Rates, September 1, 2026
Governed DSCR snapshot from rate-floors.json: 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.
Sources: Federal Reserve H.15 (10-yr Treasury), MBA CREF Quarterly
What are current DSCR loan rates as of September 1, 2026?
As of September 1, 2026, the governed DSCR best-tier floor is 5.80% on a 65% LTV stabilized rental, from rate-floors.json, 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. Tell us about the deal.
, PeerSense Capital Advisory · Updated September 1, 2026 · rate-floors.json
DSCR Rates, September 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
- $200K–$1.5M indication
- Best For
- Long-hold SFR and 1-4 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 in rate-floors.json. Not a quote.
Network pricing snapshot · PeerSense capital advisory · Updated September 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 September 1, 2026.
- Program minimum 5.99%. Sourced from rate-floors.json minimum_program_rate. Not a PeerSense invented coupon.
- 10-year Treasury 4.60 on the 21 Jul 2026 verification inside rate-floors.json (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. Tell us about the deal.
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 (September 1, 2026)?+
As of September 1, 2026, the governed DSCR best-tier floor is 5.80% on a 65% LTV stabilized rental, from rate-floors.json. 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. Tell us about the deal.
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. We match the deal to the program that can actually price it.
See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 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
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$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 is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
SBA 7(a) & 504
SearchSearch path. Not a growth lane on this desk.
Indicative only, as of September 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 September 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.