DSCR Loan Matcher by Property Strategy

DSCR lenders specialize. Kiavi dominates LTR/BRRRR, Easy Street owns STR, Lima One handles 5+ unit. The wrong one costs 50-150 bps. Pick by strategy in 4 questions.

Property strategy Units in this property Rental income / loan payment (DSCR) LTV you need

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Why segment by strategy?

Every DSCR lender has a box they underwrite best. Outside that box, you get higher rates, lower LTV, or a decline. The quickest way to waste 3 weeks is to send your STR to an LTR-focused lender and get rate-shocked at the clear-to-close.

Kiavi - fast-close LTR and BRRRR refi, good for SFH and 2-4 unit.
Easy Street Capital - STR specialist, accepts Airbnb/VRBO revenue in DSCR calc.
Visio Lending - portfolio loans across multiple LTR properties.
Lima One Capital - 5+ unit residential, mixed-use, and larger balance.

How DSCR loans work

DSCR (debt service coverage ratio) = monthly rental income / monthly PITIA payment. Lenders qualify the property, not your personal DTI. Typical terms: 20-25% down, 30-year fixed or 7/1 ARM, rates 100-200 bps above conventional.

If your DSCR is under 1.0, you'll usually be capped at 65-70% LTV and pay a rate premium. If DSCR is 1.2+, you unlock the best pricing.

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