The most comprehensive directory of DSCR (Debt Service Coverage Ratio) rental property lenders. National coverage. No income verification. LLC vesting accepted. Find matched lenders for SFR, 2-4 unit, STR, foreign national, BRRRR, and cash-out refi.
DSCR lender coverage across 280+ U.S. metros — rates, top markets, local rules.
State-by-state DSCR loan rules, LLC vesting, prepay penalties, and tax considerations.
Short-term rental DSCR loans underwritten on projected nightly revenue.
DSCR programs for non-U.S. investors. 30-50% down, LLC vesting, no SSN required.
Premium South Florida metro with strong STR demand and FN investor activity
Top Sunbelt growth metro with strong investor and STR activity
Top Sunbelt growth metro; strong investor activity across SFR and STR
Sunbelt growth metro; strong STR and SFR investor activity
Major Sunbelt growth metro with strong investor activity and broad property type mix
Deep cash flow Midwest metro with low entry prices
Deepest cash flow Sunbelt metro
Deepest cash flow market in US; strong DSCR economics
Theme park / vacation · $285/night
Mountain cabin · $245/night
Beach · $385/night
Beach · $285/night
DSCR is the fastest-growing rental loan product in the US. Specialty non-QM lenders fund tens of thousands of DSCR loans per year across all 50 states. The complexity is in matching the right lender to your deal — different lenders draw the box in different places on credit floor, minimum DSCR, maximum LTV and which states they actually lend in. That is what this directory exists to make comparable.