Rental Income Podcast With Dan Lane Bonus: Lower DSCR Loan Rates l Lower Down Payments l How To Get Approved For A Mortgage
Jan 29, 2026
Caeli Ridge, founder of Ridge Lending Group and mortgage lender who advises investors on DSCR and conventional loans. She explains what DSCR loans are and why their rates are dropping. She outlines DSCR pricing buckets, documentation advantages, and when to choose DSCR versus conventional. She also covers new 85% LTV options, credit score expectations, and typical closing timelines.
AI Snips
Chapters
Transcript
Episode notes
How DSCR Pricing Works
- DSCR measures gross rent divided by PITI to judge if a property covers its mortgage.
- Higher DSCR (≥1.25) yields better rates while lower DSCR increases cost and risk.
DSCR Rates Are Closing The Gap
- DSCR loan rates have narrowed to within an eighth to a quarter point of Fannie/Freddie rates.
- In some deals DSCR can even beat conventional rates because the spread has tightened recently.
Choose DSCR For Simpler Docs
- Use DSCR loans when you want simpler documentation and quicker qualification steps.
- Prepare to show assets and credit score, but skip pay stubs and tax returns for DSCR deals.