Best DSCR Lenders: Griffin Funding vs Angel Oak vs Kiavi vs Visio vs Lima One vs Easy Street

KEY TAKEAWAYS

• Griffin Funding leads in speed and flexibility with fast approvals, nationwide coverage, and flexible underwriting guidelines that make us a top choice for most investors.
• DSCR loans focus on property cash flow rather than personal income, making them more accessible for investors with complex financial situations or multiple income streams.
• Minimum DSCR requirements typically range from 1.0 to 1.25, but the best lenders offer flexible underwriting that considers the complete borrower profile beyond just the ratio.
• Rate shopping is essential since each DSCR mortgage company offers different rate structures, and comparing multiple lenders can save thousands over the loan term.