Investor loan rate bands
DSCR & Investor Loan Rates: what do real estate investors need to know?
Live SOFR and 10-Yr Treasury benchmarks plus current DSCR, Foreign National, Construction, Fix & Flip, STR, and Section 8 rate bands. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Live SOFR and 10-Yr Treasury benchmarks plus current DSCR, Foreign National, Construction, Fix & Flip, STR, and Section 8 rate bands.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
Source: Federal Reserve Economic Data (FRED) · Freddie Mac · NY Fed · U.S. Treasury. Benchmarks are wholesale reference rates — investor loan pricing carries risk-adjusted spread on top.
Live DSCR pricing on a sample investor scenario
These options are actual pricing responses returned for a sample business-purpose DSCR scenario, each showing rate, APR, borrower points or lender credit, estimated principal and interest, and the lock period from the same quote. The indicative program bands further down update daily.
Live pricing unavailable — no current pricing response.
Get My Live DSCR Rates
The three cards above are featured examples from the current snapshot. Enter your own property, credit tier, leverage and rent to see every eligible option for your deal.
Rate & Pricing Disclosure: This quote is an indication for the scenario entered and the pricing available at the time shown. Rates and terms are subject to change without notice and may change or may not be available at commitment or closing. This is not a rate lock, loan approval, commitment to lend or offer of credit. APR reflects applicable borrower-paid finance charges and pricing credits for this quote and may be the APR returned with the quote or our own audited calculation where verified borrower-paid finance charges outside the quoted price apply. Additional lender and third-party costs may apply and may not be included in the APR. Payment shown is principal and interest only and excludes taxes, insurance, HOA dues and other applicable costs, so your actual payment will be higher. Simply Approved Mortgages LLC is a mortgage broker, not the funding lender. Business-purpose, non-owner-occupied investment property only. Equal Housing Opportunity.
APR reflects applicable borrower-paid finance charges and pricing credits for this quote. Depending on the option, the APR shown is either the APR returned with that quote or our own audited calculation, used where verified borrower-paid finance charges outside the quoted price apply. Other lender and third-party costs may apply and may not be included in the APR.
Estimated payment is principal and interest only and does not include property taxes, insurance, HOA dues, flood insurance, escrows or other applicable costs.
Rates update daily — submit a full application for real numbers.
| Program | Best-tier band | Standard band | Notes |
|---|---|---|---|
| DSCR | 6.75% – 7.50% | 7.50% – 8.75% | 720+ FICO, ≥1.20 DSCR, 65% LTV |
| Foreign National | 7.75% – 8.75% | 8.75% – 10.00% | 65–75% LTV (80% select), 6–12 mo reserves |
| Construction | 9.00% – 11.00% | 11.00% – 13.00% | IO, 12–24 mo, up to 85% LTC |
| Fix & Flip | 9.50% – 11.50% | 11.50% – 13.50% | IO, 12 mo, up to 90% purchase |
| Airbnb / STR | 7.00% – 8.00% | 8.00% – 9.25% | T-12 actuals or AirDNA projections |
| Section 8 | 7.00% – 7.75% | 7.75% – 9.00% | HAP contract counted as verified income |
| Bridge | 8.00% – 9.50% | 9.50% – 11.00% | IO, 12–24 mo, 1–2 points, clear exit required |
| Hard Money / Private | 9.50% – 11.00% | 11.00% – 13.00% | IO, 1.5–3 points, up to 80% as-is value |
Rate bands are indicative and change daily. Actual pricing depends on FICO, LTV, DSCR, occupancy, reserves, prepayment structure, and market conditions. Not a commitment to lend.
Get your DSCR Scenario Summary
Complete the short pre-qualification form and we send back a full DSCR analysis: HUD Fair Market Rent, AVM value, calculated DSCR, PITIA breakdown, and the max qualifying loan amount up to 80% LTV.
- HUD FMR rent estimate for the subject property
- AVM property value + max qualifying loan
- Calculated DSCR with PITIA breakdown
- Cash-on-cash and year-one cash flow
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Get real numbers on your deal
Initial scenario review on complete applications — usually same business day. Formal pricing and terms follow underwriting.
Get Your Personalized Rate QuoteHow We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
Pick a loan type
You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.