We compare 20+ wholesale lenders to find competitive dscr rates in Washington. No credit pull. Pre-approval in 24 hours.
A Washington-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.
Washington's housing market is anchored by the Seattle-Bellevue tech corridor — one of the highest-wage and highest-priced metros in the country. King, Snohomish, and Pierce are designated high-balance counties, expanding conforming limits well above the national baseline.
Washington's tenant protection rules are stricter than most states, so we underwrite Seattle and Tacoma DSCR deals with realistic vacancy and turnover assumptions.
Straightforward criteria focused on the property's performance and your investment profile.
A DSCR of 1.0 or higher is preferred. Higher ratios unlock better rates. Some programs accept 0.75 with compensating factors.
Most DSCR loans require 20-25%, depending on property type and DSCR ratio.
660 minimum typically required. 700+ qualifies for more competitive rates and lower fees.
Single-family, duplex, triplex, quadplex, condo, townhome, short-term rentals (Airbnb/VRBO).
Lending Arena, NMLS #1603937. Licensed by the Washington State Department of Financial Institutions, Consumer Services Division, as a Consumer Loan Company. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.