Dscr Lrnder without points

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Dscr Lrnder without points

Gp G.
Investor · Atlanta · Member since 2019 · 580 posts · 96 votes

hi,
Any good dscr lender without points and huge interest rates for a purchase you cab refer? Please advise

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Ryan BakerBusiness Member
Lender · Strongsville / Cleveland, OH · Member since 2026 · 99 posts · 26 votes
1w

Hey Gp, good question. Plenty of DSCR lenders can do a no-points structure, but the cost usually gets priced into the rate instead, so it's worth comparing a points and a no-points option side by side on the same deal and figuring out the break-even based on how long you plan to hold.

The things that move DSCR pricing the most are the DSCR ratio itself (1.20 or higher usually helps), credit score, how much you put down, loan size, and the prepayment penalty you pick. Choosing a longer prepay can often lower your cost without paying points at all.

If you share the property type, purchase price, expected rent and your timeline, I'm happy to walk through the numbers on a quick call. My direct line and email are on my profile.

(Drafted with AI assistance.)

[email protected]330-548-3340
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  • Ryan BakerBusiness Member
    Lender · Strongsville / Cleveland, OH · Member since 2026 · 99 posts · 26 votes
    1w

    Hey Gp, good question. Plenty of DSCR lenders can do a no-points structure, but the cost usually gets priced into the rate instead, so it's worth comparing a points and a no-points option side by side on the same deal and figuring out the break-even based on how long you plan to hold.

    The things that move DSCR pricing the most are the DSCR ratio itself (1.20 or higher usually helps), credit score, how much you put down, loan size, and the prepayment penalty you pick. Choosing a longer prepay can often lower your cost without paying points at all.

    If you share the property type, purchase price, expected rent and your timeline, I'm happy to walk through the numbers on a quick call. My direct line and email are on my profile.

    (Drafted with AI assistance.)

    [email protected]330-548-3340
    1Reply
  • Noah WrightBusiness Member
    USA, Nationwide · Member since 2024 · 329 posts · 123 votes
    1w

    Wanting to keep the upfront cost down on a purchase is a sensible place to start. The catch is that "no points" on a DSCR quote doesn't always mean no fees. The programs I see often carry a flat underwriting or processing fee, and some quotes add an origination fee that works like a point under another name. Ask each quote for the itemized fee sheet and compare total cash to close alongside the rate, not just the headline. A quote is only as cheap as its fee page. The lender list also depends on the state, since plenty of DSCR lenders don't lend everywhere. What state is the property in?

    [email protected]737-773-3717
    0Reply
  • Diana KhanPro Member
    Attorney · 10451 Mill Run Cir #755 Owings Mills, MD 21117 · Member since 2024 · 701 posts · 251 votes
    1w
    Quote from @Gp G.:

    hi,
    Any good dscr lender without points and huge interest rates for a purchase you cab refer? Please advise

    Hi @Gp G.! I don't have a specific DSCR lender to recommend, but I agree with the others that it's worth comparing the full loan costs, not just the interest rate or points. I'd also pay attention to the prepayment penalty, especially if you're planning to refinance or sell the property in a few years.

    I'm a real estate attorney and investor based in Maryland, and I work with clients on contracts and property transactions. I've seen how important it is to understand the terms before signing, especially when those terms could affect your plans for the property. Hope you find a lender that works for your situation.

    [email protected]240-266-0291
    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    1w

    I also do not like pre payment penalties

    0Reply
  • Nyisha Walton
    Lender · Houston, TX · Member since 2026 · 107 posts · 34 votes
    1w

    Gp, no points and no crazy rate is basically everyone's DSCR wish list lol. One thing worth knowing is that points and rate trade off, so ask each lender to quote the same loan both ways and compare the total cost over the time you plan to hold it. Happy to run one for you if you share the property.

    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    1w

    Also no seasoning of funds is better as well

    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    1w

    Does dscr loans looks for seasoning. I am looking for new purchase not refinance. I need better ltv vs crazy ltv. I have debt hurting credit score also

    0Reply
  • Shaheed Johnson
    Member since 2026 · 3 posts · 0 votes
    1w

    One thing I’d recommend is comparing the total cost of the loan, not just the points. Ask lenders to quote the same purchase with and without points, then compare the rate, origination fees, prepayment terms, credit requirements, and loan-to-value. Since you mentioned credit concerns, I’d confirm the minimum credit score and whether the lender has flexibility before submitting applications.

    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    1w

    I never remember seeing total cost of loan in previous loan estimates. Is it something I have to ask explicitly not provided implicitly?

    0Reply
  • Renard BrownPro Member
    Austin, TX · Member since 2026 · 56 posts · 6 votes
    1w

    Hi! We're with Blackstone Ridge Capital (BSRC). We offer DSCR financing options for real estate investors purchasing income-producing properties. Rates and fees depend on the deal and borrower profile, but we'd be happy to connect and see what options may fit your needs. Would you be open to a quick conversation?

    0Reply
  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    1w

    Hey GP,

    Yes you can obtain a DSCR loan with no points at a reasonable rate. What exactly are you targeting to make the numbers work for your deal?

    [email protected]818-269-7983
    LuxePrivate Investments LLC 570 Reviews
    WebsiteView Page
    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    6d

    As credit score ties to debt asking credit score indirectly asking debt. It is not loan completely based on property income like some days in social media

    0Reply
  • Tommy Deguchi
    Member since 2026 · 62 posts · 2 votes
    5d

    I was looking for the same thing. My guy has no origination fees and no points baked into the rate, and he can do a 6-month prepay instead of the usual 3-5 year. Not no-prepay and not a rate promise, but cleaner than most I saw. DM me if you want his info.

    0Reply
  • Gp G.
    OP
    Investor · Atlanta · Member since 2019 · 580 posts · 96 votes
    4d

    CN you share your contact details

    0Reply
  • Jiao Liu
    Lender · Houston, TX · Member since 2026 · 52 posts · 14 votes
    4d

    Hi Gp — I can price this both ways on the same deal so you can compare the real numbers: no points vs. points, and no prepay vs. prepay. The no-points structure exists; the cost just shifts into the rate, so which one wins depends on your price, rent, and how long you plan to hold it.

    To run it, I need: the property address and state, purchase price and the loan amount you're targeting, expected monthly rent (if it's a short-term rental, the last 12 months of platform income), rough annual taxes and insurance, your credit score range, whether you're buying in an LLC or your own name, and whether the place is already leased, vacant, or will be rented after closing. Send them here or to [email protected] and I'll come back with both structures priced out.

    Jiao Liu, Eirvale Financial Services

    0Reply
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