{"id":1402,"date":"2026-10-02T23:33:38","date_gmt":"2026-10-03T03:33:38","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/dscr-loan-rates\/"},"modified":"2026-10-02T23:56:29","modified_gmt":"2026-10-03T03:56:29","slug":"dscr-loan-rates","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/dscr-loan-rates\/","title":{"rendered":"DSCR Loan Rates in 2026: What Investors Actually Pay"},"content":{"rendered":"
I closed my ninth DSCR loan in June 2026 at 7.375%. My eighth, on a similar property six months earlier, came in at 7.875%. Same lender tier, same credit score, same LTV. The only difference: the property’s DSCR ratio was 1.35 instead of 1.15. That 0.20 bump in debt service coverage saved me half a point on the rate \u2014 and about $4,200 per year in interest on a $350,000 loan.<\/p>\n
DSCR loan rates<\/strong> in 2026 range from roughly 7.0% to 9.5%, depending on five or six variables that most investors don’t fully control until they understand how lenders price these loans. This article breaks down the exact rate ranges I’ve seen across multiple states, explains what pushes your rate higher or lower, and shows you how small changes in your deal structure translate into real dollars. If you want to model specific scenarios on your own property, the DSCR calculator<\/a> will give you monthly payment and cash flow numbers in about 30 seconds.<\/p>\n