What DSCR rate can I get today?

A 30-year fixed DSCR loan prices off credit and leverage. At 760+ FICO and 60% LTV the grid starts at 6.125%; at 700-719 FICO and 75% LTV it is 7.00%. Adjustments for cash-out, unit count, short-term rental and prepay move it from there.

Does a stronger DSCR lower my rate?

Yes. A DSCR of 1.25 or better takes 12.5 basis points off the grid rate. A DSCR between 1.00 and 1.19 adds 25 basis points, and 0.75 to 0.99 adds 62.5 with leverage capped at 70% LTV.

What is the minimum credit score?

660. Below that the program is not offered. The best pricing begins at 760.

How much does a cash-out refinance cost?

Cash-out adds 37.5 basis points and caps leverage at 75% LTV.

Can I buy the rate down?

One point is standard. Each additional quarter point buys the rate down 25 basis points, to a maximum of two points.

DSCR FROM 5.75%BRIDGE FROM 8.25%TERM SHEETS IN 24HLENDING IN 42 STATES

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TODAY'S RATE DESK

Upfront pricing, not "call for rates"

Every quote starts from these tables. Final pricing moves with DSCR, LTV, and credit — and the term sheet shows the adjustment math.

UPDATED WEEKLY · LAST UPDATE AUG 12 2026 · NOT A COMMITMENT TO LEND

ILLUSTRATIVE DATA — LIVE PRICING CONNECTS AT LAUNCH

THIS WEEK IN RATES · WEEK OF OCT 19 2026

DSCR & mortgage rates roundup — week of October 19, 2026

30-YR FIXED (PMMS)

7.32%

−0.08 PTS W/W · AS OF OCT 22 2026

15-YR FIXED (PMMS)

6.68%

−0.03 PTS W/W · AS OF OCT 22 2026

10-YR TREASURY

5.12%

−0.09 PTS W/W · AS OF OCT 20 2026

EFFECTIVE FED FUNDS

3.88%

UNCHANGED W/W · AS OF OCT 20 2026

The 30-year fixed-rate mortgage averaged 7.32% as of October 22, down 8 basis points from the prior week's 7.40%. The 15-year fixed-rate mortgage averaged 6.68%, a decline of 3 basis points from 6.71%.

Read this week's roundup →

PREVIOUS WEEKS

All weeks →

DSCR & mortgage rates roundup — week of October 12, 2026OCTOBER 12, 2026

DSCR · GET MY NUMBER

DSCR — 30-year fixed

Program details →

Scenario

Min FICO

Max LTV

Rate from

DSCR ≥ 1.25

740

65%

5.75%

DSCR ≥ 1.10

720

75%

6.125%

DSCR ≥ 1.00

680

80%

6.875%

Short-term rental (STR)

700

75%

6.5%

Bridge & construction — interest-only

Program details →

Product

Term

Max leverage

Rate from

Bridge (stabilized)

6–24 mo

75% LTV

8.25%

Fix & flip

12–18 mo

90% LTC / 70% ARV

9.5%

Ground-up construction

12–24 mo

85% LTC

10.25%

BENCHMARKS WE PRICE AGAINST

SOFR (OVERNIGHT)

3.92%

AS OF OCT 23 2026

5-YR TREASURY

4.84%

AS OF OCT 26 2026

10-YR TREASURY

5.00%

AS OF OCT 26 2026

SOURCES · FEDERAL RESERVE BANK OF NEW YORK — SOFR (MARKETS.NEWYORKFED.ORG) · U.S. DEPARTMENT OF THE TREASURY — DAILY TREASURY PAR YIELD CURVE

What moves your rate down

Lower LTV (each 5% below max)−0.125%

DSCR above 1.50−0.25%

5-yr prepay structure−0.25%

Repeat borrower (3+ loans)−0.125%

What moves it up

Cash-out refinance+0.25%

2–4 unit / condo+0.125%

Interest-only payment+0.25%

No prepay penalty+0.375%

WHERE RATES ARE HEADING

The rate environment, in the open

Twelve months of 30-year rates at the big three retail banks, four quarters of forward consensus, and where Silt's best DSCR tier sits against them. Investor money should be priced next to everyone else's.

UPDATED WEEKLY · LAST UPDATE AUG 06 2026

ILLUSTRATIVE DATA — LIVE FEED CONNECTS AT LAUNCH

Silt Capital — DSCR best tierJPMorgan ChaseBank of AmericaWells Fargo

This week

30-yr today

12-mo change

Q2 27 forecast

Silt Capital · DSCR

5.75%

−0.75

5.28%

JPMorgan Chase

5.95%

−0.67

5.70%

Bank of America

5.99%

−0.69

5.74%

Wells Fargo

6.04%

−0.68

5.78%

BANK RATES ARE OWNER-OCCUPIED CONFORMING; SILT IS INVESTOR DSCR — DIFFERENT PRODUCTS, SHOWN FOR CONTEXT. FORECASTS ARE CONSENSUS ESTIMATES, NOT COMMITMENTS.

What moves the next four quarters

Three inputs drive nearly all of the forward curve. None of them are the Fed's headline rate on its own.

01 · THE 10-YEAR

Treasury yields set the floor

Thirty-year mortgages track the 10-year Treasury, not the fed funds rate. When the 10-year moves 25 bps, expect mortgage pricing to follow within days.

02 · THE SPREAD

Risk premium compresses slowly

The gap between Treasuries and mortgage rates widened through the tightening cycle. Consensus expects gradual compression — which pulls rates down even if Treasuries hold flat.

03 · INVESTOR PREMIUM

DSCR moves on its own supply

Investor loans price off securitization demand, not retail mortgage flow. Strong appetite for rental paper is why our best tier can sit inside bank pricing.

Forecasts are consensus estimates, not commitments to lend. Your quote is priced off today's tier sheet and holds from signed term sheet through closing.

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No credit pull to quote — the written term sheet shows every adjustment.

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