Welcome to the July 2026 edition of the Investor Rundown, our monthly snapshot of the DSCR lending market. Each month, we’ll share real loan quotes, current market trends, and key pricing factors to help real estate investors make more informed financing decisions.
For this edition, we gathered recent quotes from multiple lenders using the same investment scenario. Holding these variables constant makes it easier to compare how lenders price DSCR loans and how different loan structures can affect the final terms.
Scenario Overview
All quotes featured in this month’s Investor Rundown are based on the following scenario:
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- Location of Property: Virginia
- Property Type: Single-family rental
- Estimated Value: $500,000
- DSCR: 1.2
- Down Payment: 20%
- Borrower Profile: A+
The infographic below highlights what we’re currently seeing in the market and explains several of the biggest factors that can influence DSCR loan pricing.
Key Takeaways
This month’s Investor Rundown reinforces an important point: the lowest interest rate doesn’t always mean it’s the best loan. Loan structure plays a significant role in the overall cost of financing, and factors like points, leverage, prepayment penalties, occupancy, and seasoning requirements can all affect the terms you’re offered.
When comparing lenders, look beyond the headline rate and consider how each loan aligns with your investment strategy. A little extra due diligence upfront can lead to better long-term results.
Looking Ahead
Because the lending landscape is constantly evolving, even small shifts in rates or underwriting guidelines can impact your next investment opportunity. That’s why we’ll continue publishing the Investor Rundown each month, sharing current loan quotes, market trends, and insights to help you stay informed.
We’ll see you next month for another Investor Rundown.