DSCR Loan Rates September 2026

Note: This update reflects market data as of September 3, 2026. Rates change frequently and vary by lender, property and borrower profile. For current pricing, see DSCR Loan Rates or request a personalized quote.

DSCR loan rates in September 2026 are tracking a benchmark 30-year mortgage rate of 6.71% as of September 3 — the highest level in the past 12 months, according to Freddie Mac’s Primary Mortgage Market Survey. If you’re an investor evaluating a DSCR loan for a rental property purchase or refinance, here’s what the current rate environment means for you.

Where DSCR Loan Rates Stand This Month

The 30-year fixed benchmark rate has been on a steady climb since mid-2026, after dipping into the low-6% range in late 2025 and early 2026. At 6.71%, rates are now back near where they started a year ago, having round-tripped through a lower stretch in between.

Freddie Mac updates this figure weekly (next release: September 10, 2026), and we track DSCR loan rates September 2026 as part of our own ongoing rate monitoring.

What This Means for DSCR Borrowers

DSCR loan rates typically run somewhat above the conventional 30-year benchmark, since qualification is based on the property’s rental income rather than your personal income or tax returns. Your actual rate depends on factors like loan-to-value, the property’s debt service coverage ratio, credit profile, and loan program.

In a rising-rate environment like this one, the properties that still cash-flow comfortably are the ones worth moving on quickly — waiting for a pullback can mean losing a deal to another buyer, while the rate difference on any single move is often smaller than the cost of missing the property entirely.

Should You Lock Now or Wait?

Nobody can time the rate market with certainty. What we can tell you: rates have moved in both directions substantially over the past year, and structuring your deal around today’s cash flow — not a rate you’re hoping shows up — is the safer approach for a rental property investment.

If you’re evaluating a specific property or refinance scenario, review current DSCR loan rates and get a personalized quote rather than relying on the benchmark alone — DSCR pricing varies by lender, program, and deal structure.

Check Your DSCR Loan Eligibility →

Rate data source: Freddie Mac Primary Mortgage Market Survey via FRED, Federal Reserve Bank of St. Louis. This post reflects data as of September 3, 2026, and is for informational purposes only — it is not a rate quote or lending commitment.