Best DSCR Lenders in Indiana (2026)
Compare dscr lenders serving Indiana real estate investors. We found 15 lenders offering dscr loans in Indiana — see rates, LTV, credit requirements, and expert reviews below.
Investing in Indiana
Indianapolis is the top-rated cash flow market in the US — positive population growth, diversified economy, landlord-friendly laws, and prices that still support the 1% rule.
Key Markets
Typical Rates
6.5%–8.5%
Max LTV
75%–80%
Typical Terms
30-year fixed or 5/6 ARM
Min Credit
620–680
DSCR Lenders Serving Indiana
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| CoreVestFeatured | 6.5%–10% | 75% | 660 | $500K–$100M | 21–45 days | 4.4 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
| Visio Lending | 6.5%–8.5% | 80% | 680 | $75K–$2M | 21–30 days | 4.2 |
| Easy Street Capital | 6.75%–12% | 80% | 640 | $75K–$2M | 10–21 days | 4.2 |
| RCN Capital | 6.5%–12% | 80% | 620 | $75K–$2.5M | 14–21 days | 4.1 |
| Angel Oak Mortgage Solutions | 6.5%–9% | 80% | 660 | $100K–$3M | 21–30 days | 4.1 |
| Civic Financial Services | 7.5%–12% | 80% | 640 | $75K–$5M | 10–21 days | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | $100K–$5M | 5–10 days | 4.0 |
| Griffin Funding | 6.5%–9% | 80% | 620 | $100K–$5M | 21–30 days | 4.0 |
| Velocity Mortgage Capital | 6.5%–9% | 75% | 660 | $100K–$5M | 21–45 days | 4.0 |
| Defy Mortgage | 6.5%–9% | 80% | 620 | $100K–$3M | 21–30 days | 3.9 |
| Roc Capital | 7%–12% | 80% | 620 | $75K–$5M | 10–21 days | 3.9 |
| Lendency | 6.75%–8.5% | 80% | 660 | $75K–$2M | 14–21 days | 3.8 |
| Lima One (formerly OfferMarket) | 6.5%–8.5% | 80% | 640 | $75K–$2M | 21–30 days | 3.7 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
Visio Lending
4.2Visio Lending specializes exclusively in long-term DSCR rental loans. As a pure DSCR shop, they've built deep expertise in rental property lending with competitive rates and efficient processing.
6.5%–8.5%
80%
680
21–30 days
$75K–$2M
No experience required
Easy Street Capital
4.2Easy Street Capital is a fast-growing investor lender offering DSCR, fix-and-flip, and bridge loans with an emphasis on speed and customer service. Known for competitive rates and a borrower-first approach.
6.75%–12%
80%
640
10–21 days
$75K–$2M
No experience required
RCN Capital
4.1RCN Capital is a national lender specializing in fix-and-flip, bridge, and long-term rental (DSCR) loans for real estate investors. Known for competitive rates on DSCR products and a straightforward closing process.
6.5%–12%
80%
620
14–21 days
$75K–$2.5M
No experience required
Angel Oak Mortgage Solutions
4.1Angel Oak Mortgage Solutions is a leading non-QM lender offering DSCR, bank statement, and investor cash flow loans. One of the largest non-QM originators in the country with a wide broker network.
6.5%–9%
80%
660
21–30 days
$100K–$3M
No experience required
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Griffin Funding
4.0Griffin Funding is a mortgage lender specializing in non-QM products for investors, including DSCR, bank statement, and asset-based loans. Strong option for self-employed borrowers and investors with complex income situations.
6.5%–9%
80%
620
21–30 days
$100K–$5M
No experience required
Velocity Mortgage Capital
4.0Velocity Mortgage Capital specializes in small balance commercial loans for investment properties — DSCR for 1-4 units and commercial for 5+ units. One of the longest-standing investor lenders in the non-QM space.
6.5%–9%
75%
660
21–45 days
$100K–$5M
Varies
Defy Mortgage
3.9Defy Mortgage is a non-QM lender offering DSCR, bank statement, and asset depletion loans for real estate investors. Known for aggressive marketing and competitive rates on non-QM products.
6.5%–9%
80%
620
21–30 days
$100K–$3M
No experience required
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Lendency
3.8Lendency is a DSCR lender focused on simplicity and speed, offering 30-year rental loans with a streamlined application process. Targets investors who want a straightforward DSCR experience.
6.75%–8.5%
80%
660
14–21 days
$75K–$2M
No experience required
Lima One (formerly OfferMarket)
3.7OfferMarket is a tech-enabled DSCR lender offering competitive 30-year rental loans with a focus on investor education and transparent pricing.
6.5%–8.5%
80%
640
21–30 days
$75K–$2M
No experience required
About DSCR Loans in Indiana
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income or W-2s. The most popular loan product for buy-and-hold real estate investors scaling a rental portfolio.
Indiana real estate investors use dscr loans for buy-and-hold rental investors and self-employed investors without w-2 income. Compare dscr terms from multiple lenders to find the best fit for your Indiana investment strategy.
Other Loan Types in Indiana
DSCR Lenders in Nearby States
Analyze Your Indiana Deal
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