DSCR Mortgage Rates in 2026: What Investors Are Actually Paying

DSCR rates get quoted all over the map online, mostly because they're priced off the deal, not a single published number. Here's how to read them like a lender does.

Where DSCR rates sit right now

Through 2026, DSCR 30-year fixed rates have generally run about 0.5-1.5 percentage points above a comparable investment-property conventional loan, which itself already prices higher than an owner-occupied mortgage. In practical terms, that has put many DSCR quotes in the high-6% to high-8% range, with the tightest pricing going to strong files: high DSCR ratios, 700+ credit, and lower leverage.

What actually moves your rate

Why short-term rentals price differently

Short-term rental income carries more seasonal volatility than a signed 12-month lease, so lenders typically apply a pricing premium and closer scrutiny on Airbnb and VRBO-financed deals compared to traditional long-term rentals. Some programs also carry prepayment penalties for the first 3-5 years, so read the terms before assuming the lowest advertised rate applies to your scenario.

Points, buydowns and long-term holds

As with any mortgage, paying discount points can buy down your DSCR rate. Whether that trade is worth it depends on how long you plan to hold the loan — run the breakeven math before paying points on a property you might refinance or sell within a few years.

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