A look at the leading DSCR lenders, what each one is best suited for, and how to choose the right fit for your deal, whether it's a standard rental or something more complex.
A DSCR loan qualifies on the income a property produces rather than the borrower's personal income, which is why it has become a default financing tool for real estate investors. Dozens of lenders now offer DSCR products, and the strongest choice depends on your strategy, your experience level, and how complex the deal is.
Below are several of the leading DSCR lenders, the type of investor each is best suited to, and where Brick City Capital fits.
Brick City Capital underwrites on the property's cash flow, using gross rent over PITI with no tax returns, across single properties and full portfolios. Standard rentals move quickly and predictably: term sheets typically issue within 24 hours, appraisal and title open on day one, and closings average around 18 days, with the terms quoted at intake holding through to the table. The same desk also takes on the files that sit outside standard DSCR guidelines, including complex multi-member entities, non-warrantable condos, new construction on projected stabilized rents, hybrid DSCR and bank-statement income, and thin-comp or unique assets. Because a person underwrites the file rather than a fixed grid, a broker can reach a decision-maker on a hard scenario before committing to a borrower.
Best for: investors who want speed and clarity on everyday rentals, and a lender that can still execute when a deal gets complex.
Kiavi is one of the larger technology-driven lenders in the space, built around a fast, largely online process. Alongside DSCR rental loans it offers fix-and-flip and bridge financing, so an investor can move from a short-term project into long-term rental debt with a single lender. Its pricing and underwriting are tuned for standard single-family and small multifamily rentals that fit a clear profile, which is where its speed and volume are strongest.
Best for: high-volume investors who want a fast, streamlined process on standard rental properties.
CoreVest specializes in financing at scale. Its rental portfolio loans and blanket loans let investors consolidate multiple properties under a single facility, and it also offers bridge and build-to-rent products for larger operators. Because it is oriented toward established and institutional-size borrowers, it is a frequent choice once a portfolio has grown past a handful of doors.
Best for: rental portfolios and blanket loans across multiple properties.
Visio Lending focuses specifically on DSCR loans for single-family rentals and vacation or short-term rentals. Its process is consistent and repeatable, designed around stabilized properties with an established rental history, which makes it predictable for buy-and-hold investors adding to a long-term portfolio.
Best for: buy-and-hold investors with stabilized long-term or short-term rentals.
Lima One Capital carries one of the broader product menus in the market, spanning fix-and-flip, new construction, bridge, and long-term rental financing. That range lets an investor keep several project types with a single lender and move between them as a deal evolves, from acquisition and rehab through to a stabilized rental loan.
Best for: investors who want construction, bridge, and rental financing under one roof.
LendingOne is an investor-focused lender that qualifies on property cash flow rather than personal income and lends across most of the country. Its rental products are geared toward investors actively building and scaling portfolios, with long-term fixed-rate options and a process built for repeat borrowers doing steady volume.
Best for: investors scaling a straightforward rental portfolio.
RCN Capital is a nationwide lender known for consistency across a broad set of investor products, including short-term bridge and fix-and-flip loans as well as long-term DSCR financing. It works largely through brokers and correspondents and tends to suit experienced investors who value a dependable, repeatable process across steady deal volume.
Best for: experienced investors who value consistency and steady repeat financing.
Rate is one factor, but a few others tend to determine whether a deal actually gets done:
Brick City Capital runs every file, standard or complex, on the property and the strength of the overall deal. For a straightforward rental, that means a fast, predictable path: a term sheet within 24 hours, terms that hold from intake to closing, and an average close around 18 days.
The same approach is what lets the harder files get done. Because underwriting leads with judgment instead of a fixed checklist, complex entities, non-warrantable projects, new construction, and unconventional income can be structured and closed instead of set aside for falling outside a template. Standard or complex, the promise holds: speed, clear terms, and an efficient close.
Send us the scenario, standard or complex, and we'll come back with terms and a path to close.
Tell us about the property. We'll tell you how we'd structure and close it.
Submit a deal
Our headquarters
50 Park Place, Suite 301
Newark, NJ 07102
loan products
¹ All loans are for business purposes only and subject to Brick City Capital's underwriting, due diligence, and approval. Terms, amounts, and timelines may vary by borrower, property, and structure. Not all products are available in every state. Past results do not guarantee future outcomes.
² Representative examples are for illustrative purposes only. Past closings are not a guarantee of future results. Actual closing timelines and amounts will vary by transaction and borrower qualifications.
