{"id":11397,"date":"2025-12-19T20:59:58","date_gmt":"2025-12-19T20:59:58","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=11397"},"modified":"2026-06-18T22:49:06","modified_gmt":"2026-06-18T22:49:06","slug":"best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one\/","title":{"rendered":"Best DSCR Lenders: Griffin Funding vs Angel Oak vs Kiavi vs Visio vs Lima One vs Easy Street"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">What to Look for in a DSCR Lender<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing the best DSCR lender for your unique situation means evaluating several critical factors that directly impact your investment returns and borrowing experience. Here&#8217;s what to look for in a DSCR loan lender:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest rates and loan terms: <\/b><span style=\"font-weight: 400;\">Compare both fixed and adjustable rate options across different loan terms. Many lenders offer 30-year fixed rates, but some provide interest-only payment periods that can improve cash flow during the early years of ownership.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Minimum DSCR requirements: <\/b><span style=\"font-weight: 400;\">Most lenders require a debt service coverage ratio between 1.0 and 1.25, but some flexible lenders will go to 0.75 or less for strong borrowers. Understanding these thresholds helps you target the right lender for your property&#8217;s income potential.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan-to-value ratios: <\/b><span style=\"font-weight: 400;\">LTV ratios typically range from 70% to 80% for investment properties, but the best mortgage lenders for investors may offer higher ratios for exceptional borrowers or prime properties.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepayment penalties: <\/b><span style=\"font-weight: 400;\">Some DSCR lenders charge penalties for early payoff, which can limit your exit strategies. Look for lenders with minimal or no prepayment restrictions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>States serviced:<\/b><span style=\"font-weight: 400;\"> Not all lenders operate nationwide, so verify coverage in your target investment markets before starting the application process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer support and loan speed: <\/b><span style=\"font-weight: 400;\">Investment opportunities often require quick action, making responsive customer service and fast closing times crucial factors in lender selection.<\/span><\/li>\n<li style=\"font-weight: 400; text-align: left;\" aria-level=\"1\"><b>Portfolio loan options vs traditional underwriting: <\/b><span style=\"font-weight: 400;\">Portfolio lenders keep loans in-house rather than selling them, often allowing more flexible underwriting standards compared to traditional mortgage companies.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>As of mid-May 2026, DSCR loan rates have become increasingly competitive \u2014 in many cases matching or beating conventional investment property loan rates after Fannie Mae and Freddie Mac <a href=\"https:\/\/griffinfunding.com\/blog\/dscr-loans\/loan-level-price-adjustments-llpas-what-they-are-and-how-they-affect-rate\/\">loan-level price adjustments (LLPAs)<\/a> are factored in. With conventional rates climbing back above 6.50% due to rising oil prices and geopolitical uncertainty, investors are finding that DSCR loans offer not only a simpler qualification process but also better pricing for rental property financing. That makes choosing the right DSCR lender more important than ever.<\/p>\n<h2>Licensing and Regulatory Status: A Buying Criterion Most DSCR Investors Skip<\/h2>\n<p>DSCR loans are business-purpose loans secured by investment properties. Because they are business-purpose loans rather than consumer mortgages, DSCR lenders are exempt from consumer mortgage licensing requirements in most states. This is why most DSCR lenders and DSCR brokers operate without state mortgage licensure.<\/p>\n<p>Some investors consider that exemption a feature. We consider it a gap.<\/p>\n<p>Griffin Funding is fully state-licensed as a non-bank mortgage lender in 46 states plus DC, supervised by state mortgage regulators and the Consumer Financial Protection Bureau (CFPB). We also hold VA-Approved Lender status and HUD FHA Non-Supervised Lender authority, meaning we are authorized by the U.S. Department of Veterans Affairs and the U.S. Department of Housing and Urban Development to originate, underwrite, and close federal mortgage programs directly.<\/p>\n<p>We hold these licenses and approvals because the same consumer-protection, fair-lending, and disclosure standards that protect a primary-residence borrower should protect an investor borrowing $500,000 against a rental property. Regulatory accountability is part of the product.<\/p>\n<p>Here is how the six DSCR lenders covered on this page compare on licensing and regulatory status:<\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px;\">\n<thead>\n<tr style=\"background: #1a5276; color: #ffffff;\">\n<th style=\"padding: 12px 14px; text-align: left; font-weight: bold;\">Lender<\/th>\n<th style=\"padding: 12px 14px; text-align: left; font-weight: bold;\">State Mortgage Licensing<\/th>\n<th style=\"padding: 12px 14px; text-align: left; font-weight: bold;\">Federal Approvals<\/th>\n<th style=\"padding: 12px 14px; text-align: left; font-weight: bold;\">CFPB Supervised<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background: #f0f7ff; border-bottom: 2px solid #1a5276;\">\n<td style=\"padding: 12px 14px; font-weight: bold; color: #1a5276;\">Griffin Funding<\/td>\n<td style=\"padding: 12px 14px; font-weight: 600; color: #1a5276;\">46 states + DC (operates in 49)<\/td>\n<td style=\"padding: 12px 14px; font-weight: 600; color: #1a5276;\">VA-Approved \u00b7 HUD FHA Non-Supervised<\/td>\n<td style=\"padding: 12px 14px; font-weight: 600; color: #1a5276;\">Yes<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e0e0e0;\">\n<td style=\"padding: 10px 14px; font-weight: 600;\">Angel Oak Mortgage<\/td>\n<td style=\"padding: 10px 14px;\">Licensed nationally<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">None confirmed<\/td>\n<td style=\"padding: 10px 14px;\">Yes<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e0e0e0;\">\n<td style=\"padding: 10px 14px; font-weight: 600;\">Kiavi<\/td>\n<td style=\"padding: 10px 14px;\">Licensed in 13 states (operates in 45)<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">None confirmed<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">Limited<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e0e0e0;\">\n<td style=\"padding: 10px 14px; font-weight: 600;\">Lima One Capital<\/td>\n<td style=\"padding: 10px 14px;\">Licensed in 13 states (operates in 46)<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">None confirmed<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">Limited<\/td>\n<\/tr>\n<tr style=\"border-bottom: 1px solid #e0e0e0;\">\n<td style=\"padding: 10px 14px; font-weight: 600;\">Visio Lending<\/td>\n<td style=\"padding: 10px 14px;\">Licensed in 1 state (operates in 41)<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">None confirmed<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">Limited<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 14px; font-weight: 600;\">Easy Street Capital<\/td>\n<td style=\"padding: 10px 14px;\">Limited state licensing<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">None confirmed<\/td>\n<td style=\"padding: 10px 14px; color: #888;\">Limited<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size: 12px; color: #666; font-style: italic;\">Sources: NMLS Consumer Access database, verified May 2026. Licensing status changes over time; verify current status at <a href=\"https:\/\/www.nmlsconsumeraccess.org\/\">NMLS Consumer Access<\/a> before engaging any DSCR lender.<\/p>\n<h2><span style=\"font-weight: 400;\">Griffin Funding Overview<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Griffin Funding has established itself as a leading DSCR lender by combining competitive rates with investor-friendly policies. Griffin Funding is the best DSCR lender for real estate investors who want competitive rates, fast closings, and flexible underwriting without tax returns. As one of the most active DSCR lenders in the country, Griffin offers no-ratio programs for investors who want to skip cash flow qualification entirely and close loans in as little as 6 days.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We offer both 30-year fixed and interest-only payment options with loan amounts up to $4,000,000. Our <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\"><span style=\"font-weight: 400;\">non-QM loans<\/span><\/a><span style=\"font-weight: 400;\"> include specialized products like <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-heloans\/\"><span style=\"font-weight: 400;\">DSCR home equity loan<\/span><\/a><span style=\"font-weight: 400;\"> options and <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-cash-out-refinance-loans\/\"><span style=\"font-weight: 400;\">DSCR cash-out refinance<\/span><\/a><span style=\"font-weight: 400;\"> products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Griffin requires a minimum 620 credit score and accepts DSCR ratios that are less than 0.75, making our loans accessible to newer investors and properties with modest cash flow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike many competitors, Griffin Funding originates DSCR loans nationwide and is fully state-licensed as a non-bank mortgage lender in 46 states plus DC, supervised by state mortgage regulators and the Consumer Financial Protection Bureau (CFPB). This nationwide reach, combined with VA-Approved Lender and HUD FHA Non-Supervised Lender authority, makes Griffin the most regulated lender in the DSCR space.<\/span><\/p>\n<p><b><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12251 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/dscr-updated.png\" alt=\"Why Real Estate Investors Should Get a DSCR Loan With Griffin Funding\" width=\"1095\" height=\"793\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/dscr-updated.png 1095w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/dscr-updated-300x217.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/dscr-updated-1024x742.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/dscr-updated-768x556.png 768w\" sizes=\"auto, (max-width: 1095px) 100vw, 1095px\" \/><\/b><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li><b>Fast approvals: <\/b><span style=\"font-weight: 400;\">Most applications receive approval decisions within 24-48 hours.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Fast fundings: <\/b>Fund in as little as 6 calendar days when your file is complete. Last year, Griffin averaged 34 days, and that timeline is drastically improving in 2026 with LIA, Griffin&#8217;s proprietary AI-powered non-QM underwriting agent.<\/li>\n<li aria-level=\"1\"><b>Flexible guidelines: <\/b><span style=\"font-weight: 400;\">Griffin&#8217;s underwriting team considers the complete investor profile rather than relying solely on rigid qualification boxes.<\/span><\/li>\n<li aria-level=\"1\"><b>30-year fixed, ARM, and interest-only options: <\/b><span style=\"font-weight: 400;\">Multiple payment structures allow investors to optimize cash flow based on their investment strategy.<\/span><\/li>\n<li aria-level=\"1\"><b>Multiple prepayment penalty options:<\/b><span style=\"font-weight: 400;\"> Griffin offers 6-month and 1-year ARMs with no prepayment penalties and 30 or 40-year fixed terms, ranging from zero to five-year prepayment penalties.<\/span><\/li>\n<li aria-level=\"1\"><strong>No LLPA penalties<\/strong>: Unlike conventional investment property loans that carry Fannie Mae\/Freddie Mac loan-level price adjustments adding 0.50%\u20131.50%+ to your rate, Griffin&#8217;s DSCR loans are not subject to the LLPA matrix \u2014 often resulting in lower all-in rates for investors. <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"\/blog\/dscr-loans\/loan-level-price-adjustments-llpas-what-they-are-and-how-they-affect-rate\/\">Learn more about LLPAs.<\/a><\/li>\n<li aria-level=\"1\"><strong>Most regulated lender in this comparison:<\/strong> Griffin Funding is fully state-licensed in 46 states plus DC, CFPB-regulated, with VA-Approved Lender status and HUD FHA Non-Supervised Lender authority. Most DSCR competitors hold limited or no state mortgage licensing because business-purpose loans don&#8217;t require it. We hold the licenses anyway.<\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited commercial options: <\/b><span style=\"font-weight: 400;\">Griffin focuses primarily on residential investment properties, with fewer options for larger commercial deals.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\"> streamlines the application process, while our extensive <\/span><a href=\"https:\/\/griffinfunding.com\/testimonials\/\"><span style=\"font-weight: 400;\">testimonials<\/span><\/a><span style=\"font-weight: 400;\"> demonstrate consistent customer satisfaction across different investor profiles.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Angel Oak Overview<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Angel Oak has built a reputation as a specialized DSCR mortgage company with particular strength in non-qualified mortgage products and regional expertise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This DSCR loan lender offers a comprehensive suite of investor loan products, including traditional <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/investment-property-loans\/\"><span style=\"font-weight: 400;\">investment property loans<\/span><\/a><span style=\"font-weight: 400;\"> and specialized DSCR options. Their programs cater to both individual investors and those building larger portfolios.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Angel Oak offers DSCR loans up to $3 million with a $100,000 minimum, including purchase, cash-out refinance, rate-and-term refinance, and delayed financing options. They allow <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/dscr-loans\/dscr-loan-for-airbnb\/\"><span style=\"font-weight: 400;\">DSCR loans for short-term rentals<\/span><\/a><span style=\"font-weight: 400;\"> with AirDNA reports and accept properties held in LLCs, corporations, or trusts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Angel Oak requires a minimum 680 credit score with loan-to-value ratios up to 85%. They offer DSCR ratios below 1.0 and even no-DSCR options, making them accessible for properties with limited cash flow.<\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong presence in Southeast: <\/b><span style=\"font-weight: 400;\">Angel Oak&#8217;s regional focus allows it to provide specialized knowledge of local markets and faster processing in its primary service areas.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Non-QM flexibility: <\/b><span style=\"font-weight: 400;\">Their extensive non-qualified mortgage experience translates to creative solutions for complex investment scenarios.<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Slower funding process reported by users: <\/b><span style=\"font-weight: 400;\">Multiple borrowers report longer closing times compared to tech-forward competitors, potentially problematic in fast-moving markets.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Kiavi Overview\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kiavi differentiates itself through technology-driven lending processes designed for efficiency and speed in today&#8217;s competitive investment market. Its platform automates much of the underwriting process, allowing for faster decisions and reduced paperwork compared to traditional lenders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kiavi operates in 45 states (licensed in only 13), providing broad coverage while maintaining focus on its core markets with the strongest operational infrastructure.<\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast online applications: <\/b><span style=\"font-weight: 400;\">Their digital-first approach allows you to complete the application in just a few minutes and get approved quickly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Good for single-family rentals:<\/b><span style=\"font-weight: 400;\"> Kiavi&#8217;s systems are optimized for the single-family rental market, making them ideal for investors focused on this property type.<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Less flexible on DSCR ratios: <\/b><span style=\"font-weight: 400;\">Kiavi&#8217;s automated systems mean less flexibility for borderline deals that might benefit from human underwriter review.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>More geared toward experienced investors: <\/b><span style=\"font-weight: 400;\">Their streamlined process assumes familiarity with investment property financing, which can be challenging for newer investors.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Visio Overview<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Visio Lending focuses exclusively on rental property financing, positioning itself as a specialist in the long-term rental investment space. This DSCR lender concentrates on long-term rental loans with programs designed specifically for buy-and-hold investors seeking stable, predictable financing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Visio accepts properties with 1.0 DSCR ratios, making them competitive for properties with modest cash flow potential. Additionally, this lender operates across 41 states and is licensed in 1 state.\u00a0<\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transparent pricing: <\/b><span style=\"font-weight: 400;\">Visio provides clear, upfront pricing without hidden fees or last-minute surprises that can derail closing schedules.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No personal income verification: <\/b><span style=\"font-weight: 400;\">Their focus on property cash flow rather than personal income makes them attractive to investors with complex personal financial situations.<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher rates than competitors: <\/b><span style=\"font-weight: 400;\">Visio&#8217;s rates often run slightly higher than those of other top DSCR lenders, potentially impacting long-term investment returns.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Lima One Overview\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lima One targets serious real estate investors with a focus on scalability and portfolio growth support. The lender offers DSCR loans, fix-and-flip financing, and multifamily options, providing a complete suite of investment property financing solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Operating in 46 states (licensed in only 13), Lima One sets minimum DSCR requirements at 1.0, though this can vary based on borrower qualifications and property characteristics. Properties with stronger cash flow potential often qualify for more competitive interest rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lima One&#8217;s programs are designed to support investors as they scale from single properties to large portfolios, with systems built for volume lending.<\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Extensive lending network: <\/b><span style=\"font-weight: 400;\">Lima One&#8217;s broker network provides access to capital even in challenging markets or unique situations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible terms: <\/b><span style=\"font-weight: 400;\">Their portfolio lending approach allows for creative structuring that traditional lenders cannot accommodate.<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can require more documentation: <\/b><span style=\"font-weight: 400;\">Lima One&#8217;s thorough underwriting process often demands additional documentation compared to streamlined competitors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Slower closing reported: <\/b><span style=\"font-weight: 400;\">Multiple investors report closing times extending beyond initial estimates, potentially problematic for time-sensitive acquisitions.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Easy Street Capital Overview\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Easy Street Capital is a business-purpose investment property lender. They offer financing geared towards purchasing rentals, fix-and-flip properties, and building homes. They also allow borrowers to generate their own term sheets online. However, these term sheets can change after speaking with a loan officer or at a later point in the lending process.\u00a0<\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Generate term sheets online<\/b><span style=\"font-weight: 400;\">: Borrowers can generate their own term sheets online, facilitating a quick and efficient experience.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Business-purpose mortgage solutions<\/b><span style=\"font-weight: 400;\">: Easy Street Capital offers a variety of specialized loan programs aimed at those investing in real estate.<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Term sheet changes<\/b><span style=\"font-weight: 400;\">: While borrowers can generate their own term sheets online, these terms can be changed after the borrower meets with a loan officer or moves further along in the process.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment property loans only<\/b><span style=\"font-weight: 400;\">: Easy Street Capital only offers investment property loan products. They do not offer mortgages for those looking to finance a primary residence or a vacation home for personal use.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Which DSCR Lender Is Right for You?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-11400 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image5-1.png\" alt=\"Griffin Funding\u2019s Specialized DSCR Loan Solutions\" width=\"945\" height=\"737\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image5-1.png 945w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image5-1-300x234.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image5-1-768x599.png 768w\" sizes=\"auto, (max-width: 945px) 100vw, 945px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best DSCR lender depends on your investor profile, credit score, property type, and portfolio goals. Use this table to match your situation to the right lender.<\/span><\/p>\n<div style=\"overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 0 24px 0;\">\n<table style=\"width: 100%; border-collapse: collapse; font-family: 'Open Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif; font-size: 16px; line-height: 1.6; color: #333333; border: 1px solid #e0e0e0;\" role=\"table\">\n<thead>\n<tr style=\"background: #f5f6f7;\">\n<th style=\"text-align: left; padding: 12px 16px; font-size: 15px; font-weight: bold; color: #1a1a1a; border-bottom: 2px solid #d0d3d6; width: 26%;\" scope=\"col\">Investor Situation<\/th>\n<th style=\"text-align: left; padding: 12px 16px; font-size: 15px; font-weight: bold; color: #1a1a1a; border-bottom: 2px solid #d0d3d6; width: 18%;\" scope=\"col\">Best DSCR Lender<\/th>\n<th style=\"text-align: left; padding: 12px 16px; font-size: 15px; font-weight: bold; color: #1a1a1a; border-bottom: 2px solid #d0d3d6; width: 56%;\" scope=\"col\">Why<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Speed-focused investors (quick close needed)<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or Kiavi<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin closed in as few as 6 days in 2025 using AI-driven underwriting (LIA); Kiavi uses algorithmic underwriting for fast SFR approvals.<\/td>\n<\/tr>\n<tr style=\"background: #fafafa;\">\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Southeast market investors<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Angel Oak<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Regional expertise and market knowledge in Southeast core markets; specialized non-QM experience.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Portfolio investors planning significant expansion<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Lima One<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Scalability focus and extensive broker network; systems built for volume lending across large portfolios.<\/td>\n<\/tr>\n<tr style=\"background: #fafafa;\">\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Investors who prioritize transparent, predictable pricing<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Visio Lending<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Upfront pricing with no last-minute surprises; long-term rental specialist with consistent underwriting.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Complex borrower profile needing flexible underwriting<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: bold; color: #1a1a1a;\">Griffin Funding<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Considers the complete investor profile rather than rigid qualification boxes; 620 minimum FICO; DSCR qualifies down to 0.75.<\/td>\n<\/tr>\n<tr style=\"background: #fafafa;\">\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Rate-conscious investors (want lowest all-in cost)<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: bold; color: #1a1a1a;\">Griffin Funding<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">No LLPA surcharges vs. conventional investment loans; DSCR rates often lower all-in than Fannie\/Freddie investor pricing after LLPAs are factored in.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">First-time real estate investors<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: bold; color: #1a1a1a;\">Griffin Funding<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">620 minimum FICO with no prior investment property experience required; 15% down; dedicated loan officer; 24 to 48 hour pre-approval.<\/td>\n<\/tr>\n<tr style=\"background: #fafafa;\">\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top; border-bottom: 1px solid #ececec;\" scope=\"row\">Short-term rental \/ Airbnb property investors<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec; font-weight: 600;\">Griffin Funding or Visio<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top; border-bottom: 1px solid #ececec;\">Griffin accepts a comparable rent schedule or 12-month STR income history; no-ratio option if cash flow does not qualify. Visio uses AirDNA projections for Airbnb\/VRBO underwriting.<\/td>\n<\/tr>\n<tr>\n<th style=\"text-align: left; padding: 12px 16px; font-weight: 600; color: #1a1a1a; vertical-align: top;\" scope=\"row\">Scaling a rental portfolio (BRRRR strategy)<\/th>\n<td style=\"padding: 12px 16px; vertical-align: top; font-weight: bold; color: #1a1a1a;\">Griffin Funding<\/td>\n<td style=\"padding: 12px 16px; vertical-align: top;\">No limit on financed properties; unlimited cash-out with no seasoning; each property underwritten on its own DSCR, not on total portfolio debt load.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Your choice should align with your investment timeline, geographic focus, and financing complexity. Consider checking <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/\"><span style=\"font-weight: 400;\">Griffin Funding mortgage rates<\/span><\/a><span style=\"font-weight: 400;\"> and using our <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/dscr-loans\/dscr-calculator\/\"><span style=\"font-weight: 400;\">DSCR loan calculator<\/span><\/a><span style=\"font-weight: 400;\"> to compare options before making your final decision.<\/span><\/p>\n<\/div>\n<h2><span style=\"font-weight: 400;\">Why Choose Griffin Funding for Your DSCR Loan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Griffin Funding is among the best DSCR mortgage companies thanks to our combination of competitive rates and rapid closing timelines. Our nationwide coverage ensures consistent service quality whether you&#8217;re investing in your local market or expanding into new states.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What sets Griffin apart is our personalized approach to investor support. Each borrower works with dedicated loan officers who understand their unique challenges. This personalized service, combined with a streamlined pre-qualification process, helps investors move quickly in competitive markets. Griffin also has multiple products and programs and is not limited to one set of guidelines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to explore your financing options? Get pre-qualified today to understand your purchasing power and take advantage of Griffin&#8217;s investor-focused DSCR loan programs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Explore DSCR Mortgage Solutions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11401\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1.jpg\" alt=\"House model and house key\" width=\"1999\" height=\"1333\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1.jpg 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1-300x200.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1-1024x683.jpg 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1-768x512.jpg 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/12\/image4-1-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best DSCR lender for your situation combines competitive rates, reliable service, and programs that match your investment strategy. Griffin Funding&#8217;s comprehensive approach to investment property financing, combined with our nationwide coverage and investor-focused service, makes us a top choice for serious real estate investors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re purchasing your first short-term rental property or expanding an existing portfolio, working with experienced mortgage lenders for investors ensures access to the capital and expertise needed for successful real estate investment outcomes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What to Look for in a DSCR Lender Choosing the best DSCR lender for your unique situation means evaluating several critical factors that directly impact your investment returns and borrowing experience. Here&#8217;s what to look for in a DSCR loan lender:\u00a0 Interest rates and loan terms: Compare both fixed and adjustable rate options across different<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":11398,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-11397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best DSCR Lenders 2026 | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Compare the best DSCR lenders in 2026. 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