Overview
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
MoFin Lending's headquarters and founding year are not publicly published. They operate nationally and offer rental DSCR financing. Their loan amount range runs from $150K to —.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | National |
| Loan size | $150K – — |
| Interest rate range | Not publicly published — quoted per deal |
| Origination points | Not publicly published |
| Minimum credit score | 700 |
| How to access | Direct |
| Max LTV | Not publicly published |
| Max LTC | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower
Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
How MoFin Lending compares
As an institutional non-QM lender, MoFin Lending's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. MoFin Lending serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for MoFin Lending cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
MoFin Lending FAQ
MoFin Lending serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
MoFin Lending's typical minimum loan is $150K, with maximum loan size up to —.
MoFin Lending's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
MoFin Lending offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
This review is an independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.