Mortgage Rate Trends
Track historical mortgage rates, analyze market trends, and make informed financing decisions with our comprehensive rate data.
Current DSCR Rates
Updated: January 22, 2026
30-Year Fixed DSCR
5/1 ARM DSCR
Interest Only DSCR
Bridge Loan
Compare Lender Rates
Side-by-side comparison of current rates from top DSCR lenders
2LethalCapital
FeaturedMin DSCR: 0.75
Current Rate
7.40%
Max LTV
80%
Closing
14 days
Max Loan
$5.0M
CoreVest Finance
Min DSCR: 1
Current Rate
7.50%
Max LTV
75%
Closing
30 days
Max Loan
$50.0M
Kiavi
Min DSCR: 1
Current Rate
7.55%
Max LTV
80%
Closing
18 days
Max Loan
$2.0M
Visio Lending
Min DSCR: 0.75
Current Rate
7.60%
Max LTV
80%
Closing
21 days
Max Loan
$2.5M
Velocity Mortgage
Min DSCR: 1
Current Rate
7.65%
Max LTV
75%
Closing
21 days
Max Loan
$3.0M
Lima One Capital
Min DSCR: 1
Current Rate
7.75%
Max LTV
75%
Closing
25 days
Max Loan
$3.0M
Note: Rates shown are estimates based on publicly available information and may vary based on borrower qualifications, property type, and market conditions. Contact each lender directly for current rates and terms.
Lender Reviews & Ratings
See what real investors are saying about top DSCR lenders
2LethalCapital Reviews
Rating Breakdown
Fastest closing I've ever experienced
Closed on my 4-plex in just 12 days. The team was incredibly responsive and the process was smooth from start to finish.
Great for vacation rentals
They understood the STR market and did not penalize me for Airbnb income. Very competitive rates.
Solid lender, minor communication delays
Overall great experience. Rates were competitive and the process was straightforward.
Market Factors Affecting Rates
Federal Reserve Policy
PositiveFed signaling potential rate cuts in 2026
Inflation Data
NeutralCPI stabilizing around 2.5% target
Employment
PositiveStrong job market supporting housing demand
Housing Supply
NegativeLimited inventory keeping prices elevated
10-Year Treasury
PositiveTreasury yields trending lower
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2026 Rate Forecast
| Period | Low Estimate | Mid Estimate | High Estimate |
|---|---|---|---|
| Q1 2026 | 6.50% | 6.80% | 7.20% |
| Q2 2026 | 6.25% | 6.50% | 7.00% |
| Q3 2026 | 6.00% | 6.25% | 6.75% |
| Q4 2026 | 5.75% | 6.00% | 6.50% |
Disclaimer: Rate forecasts are based on current market conditions and economic indicators. Actual rates may vary significantly. These projections should not be used as the sole basis for financial decisions. Contact our team for personalized rate quotes.
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