What is a good DSCR ratio?

Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.

Can I get a DSCR loan with no money down?

No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.

Do DSCR loans show on my credit report?

It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

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DSCR Loans in Boston, MA

Find lenders offering dscr loans in the Boston, including Cambridge, Quincy, Somerville, and surrounding areas. Compare rates, terms, and programs from 42 lenders.

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Lenders

Typical Rate

7.0% - 9.5%

Down Payment

20-25%

Term

30 years

Closing Time

2-4 weeks

DSCR Lenders Serving Boston

42 lenders offering dscr loans in the Boston, MA area.

A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

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Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M

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Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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CoreVest Finance

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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CrossCountry Mortgage

Cleveland, OH

Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.

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Defy Mortgage

DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.

$100K – $3M

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Easy Street Capital

Austin, TX

Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.

$75K – $5M

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Griffin Funding

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M

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JMAC Lending

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

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Kiavi

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

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Lending One

Boca Raton, FL

National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.

$75K – $5M

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Lima One Capital

Greenville, SC

Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.

$75K – $5M

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New Silver Lending

Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.

$100K – $5M

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North American Savings Bank

Kansas City, MO

Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.

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RCN Capital

South Windsor, CT

Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.

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Boston Commercial Real Estate Market

Boston is one of the nation's premier commercial real estate markets, commanding top-tier rents across office, lab, and multifamily asset classes. The Seaport District has transformed into a life sciences and innovation hub with over 7 million square feet of development since 2010, while Cambridge's Kendall Square remains the world's densest cluster of biotech lab space. The Financial District and Back Bay continue to serve as the core office market, though tenants increasingly seek LEED-certified, amenity-rich buildings. Suburban submarkets along Route 128 and I-495 offer lower-cost alternatives for office and industrial users, though urban demand has driven cap rate compression across the metro.

Key Economic Drivers

●Life sciences and biotech cluster anchored by Kendall Square, Harvard, and MIT research ecosystems
●Major health systems including Mass General Brigham, Beth Israel Lahey, and Boston Children's Hospital
●Financial services firms concentrated in the Financial District and Back Bay, including Fidelity and State Street
●Technology companies and venture capital activity in the Seaport Innovation District

Market Insight

Boston's lab and R&D space commands some of the highest rents in the country, with Kendall Square lab space regularly exceeding $100 per square foot NNN, driven by near-zero vacancy among purpose-built life sciences facilities.