Best DSCR Loan Lenders 2026: Rental Property Loans Without Tax Returns
Kiavi, Lima One, Visio, New Silver and Easy Street — DSCR lenders that qualify you on rent, not income.
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- Kiavi — Overall DSCR lender.
- Lima One Capital — Experienced investors.
- Visio Lending — Long-term rentals.
- New Silver — Digital application.
- Easy Street Capital — Short-term + DSCR.
Our research process for this comparison
- Last reviewed
- Jun 2, 2026
- Approach
- Research-driven product comparisons: vendor docs, live pricing, public benchmarks, and trial-account checks where available.
- Sources we used
- Vendor websites and changelogs, official pricing pages, third-party uptime monitors and verified user reports.
- Limitations
- Not every product on this page received controlled lab testing. Pricing and features change frequently — confirm on the provider's website.
Read the full review methodology and our editorial policy.
Top picks compared (2026)
| Product | Rating | Best for | Visit |
|---|---|---|---|
| KiaviBest Overall | 9.5 | Overall DSCR lender | |
| Lima One Capital | 9.4 | Experienced investors | |
| Visio Lending | 9.3 | Long-term rentals | |
| New Silver | 9.2 | Digital application | |
| Easy Street Capital | 9.1 | Short-term + DSCR |
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Quick verdict
Kiavi, Lima One, Visio, New Silver and Easy Street — DSCR lenders that qualify you on rent, not income.
Head-to-head comparison
| Product | Best For | Score |
|---|---|---|
| Kiavi | Overall DSCR lender | 9.5 |
| Lima One Capital | Experienced investors | 9.4 |
| Visio Lending | Long-term rentals | 9.3 |
| New Silver | Digital application | 9.2 |
| Easy Street Capital | Short-term + DSCR | 9.1 |
1. Kiavi — Overall DSCR lender
Kiavi stands out for overall dscr lender. Score: 9.5/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
2. Lima One Capital — Experienced investors
Lima One Capital stands out for experienced investors. Score: 9.4/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
3. Visio Lending — Long-term rentals
Visio Lending stands out for long-term rentals. Score: 9.3/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
4. New Silver — Digital application
New Silver stands out for digital application. Score: 9.2/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
5. Easy Street Capital — Short-term + DSCR
Easy Street Capital stands out for short-term + dscr. Score: 9.1/10. Based on our research into pricing, capability, real-world performance and user feedback, it remains a strong pick in this category for 2026.
Final verdict
Our pick: Kiavi is the strongest overall choice in this category for 2026. Pick based on your specific need from the comparison above.
Frequently asked
What is a DSCR loan?+
A real estate loan qualified using the property's rental income, not your personal income.
Minimum DSCR ratio?+
Most lenders require 1.0–1.25 (rent covers debt service).
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What's changed
Every meaningful edit to this article is logged here. Spotted something out of date? Submit a correction.
- Jun 2, 2026Article first published.
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ProductsVerdict Research Team
Research, comparisons & verdictsProductsVerdict Research Team leads ProductsVerdict's research on guides, evaluating live pricing, public benchmarks, vendor documentation and trial accounts to publish recommendations readers can actually act on. No paid placements, no pre-publication review by brands.
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