Original research
Investor Loan Rate and Terms Survey (2026)
What investor loans actually cost right now, compiled from published lender pricing and rate trackers, with every figure sourced and dated. Not a quote, a benchmark.
Most rate pages are written by a lender quoting its own best case, or by an affiliate paid to rank one. This survey does the opposite. It compiles what lenders and independent rate trackers actually publish, names the source for every figure, and dates it, so you can tell whether a quote you receive is fair. We are not a lender. Some links here may be affiliate links; see our disclosure.
As of June 9, 2026. These are point-in-time published figures. Investor loan pricing tracks the 5-year Treasury (about 4.1 percent in mid-2026) and lender credit appetite, and it moves often. Advertised "as low as" rates are best-case teasers that require top-tier borrower profiles. Treat every number below as a reference point, not a quote.
Typical ranges, synthesized
Pulling the published lender figures together with the independent trackers, here is where each product sits in mid-2026.
| Product | Typical rate | Leverage | Other terms |
|---|---|---|---|
| DSCR 30-year rental | ~6.1% to 8.0%; national average near 7.1% to 7.25%; teasers as low as 5.25% to 6% | Up to 80% LTV purchase; 70% to 75% cash-out | Min DSCR 1.0 common (best pricing 1.25+; some to 0.75); FICO floor 660 to 680; 0 to 2 points; prepay usually 5/4/3/2/1 or 3/2/1 |
| Fix-and-flip / hard money | ~9% to 13% typical; teasers 7.25% to 7.75% for experienced borrowers | Up to 90% to 100% of purchase (LTC) and 100% of rehab, capped at ~70% to 75% of ARV | 1 to 3 points; 6 to 24 month term; often no prepayment penalty |
| Bridge | ~8% to 12% residential investor | ~70% to 75% of as-is value; up to 80% ARV or 100% LTC on a cost basis | 1 to 3 points; 11 to 24 month term |
The 100% LTC and 100% rehab figures and the ARV cap apply together: a flip loan funds the lesser of the cost-based percentage and the loan-to-ARV cap, so the ARV cap is usually what binds. That is why "100% financing" still leaves cash in the deal.
Published lender figures (sourced)
The numbers behind the ranges above. Each is what the named lender or tracker publishes, captured June 9, 2026. "As low as" figures are best-case teasers.
| Source | Product | Published figures |
|---|---|---|
| Kiavi | DSCR; bridge; flip | DSCR as low as 6%, 80% LTV, DSCR to 0.8, no prepay after year 3; bridge as low as 7.75%; flip up to 95% LTC and 100% rehab, 80% ARV |
| New Silver | DSCR; flip | DSCR from 6%, 80% LTV, DSCR to 0.75, FICO 660, origination 0 to 2%; flip 8.5% to 11%, origination 1 to 1.75% |
| RCN Capital | DSCR; flip | DSCR as low as 5.25%, 80% purchase / 75% cash-out (740+), DSCR 1.0, FICO 660; flip as low as 9.49% tiered by experience, to 100% purchase and 100% rehab, 75% ARV |
| Lima One Capital | Flip; bridge | Flip as low as 7.25%, up to 95% LTC and 100% rehab, 75% ARV, FICO 660; bridge up to 85% LTV |
| Visio Lending | DSCR | FICO 680, 20% to 30% down, target DSCR 1.2, 30-year fixed no balloon, prepay 5/4/3/2/1 or 3/2/1 |
| Groundfloor | DSCR; flip | DSCR 80% LTV, DSCR to 1.1, FICO 660; flip from 9.99%, 100% rehab, 70% loan-to-ARV, 6 to 18 month term |
| CoreVest | DSCR portfolio | DSCR starts at 8%, leverage starts at 85%, FICO 620, entity required (portfolio-oriented, prices above single-asset peers) |
| HomeAbroad (tracker) | DSCR par rates | 740 FICO, 0 points: 70% LTV 6.125%, 75% LTV 6.250%, 80% LTV 6.490% (June 2026); cash-out about 0.2% higher |
| OfferMarket (tracker) | DSCR average | National average 7.24%, OfferMarket average 7.11% (May 14, 2026); 5-year Treasury 4.12%, 30-year fixed 6.55% |
How to use it
Get three or four real quotes on your actual deal, then place them against the ranges above. A quote inside the range, from a lender who will perform, is fair, and your attention belongs on the term sheet rather than the rate. A quote well above the range usually means one of your own numbers, leverage, credit, or the ratio, is the reason. A single quote far below everyone else is a flag, not a gift, because it is the one most likely to re-trade after you commit. Run your deal first on the DSCR calculator, and read each quote with the rates guide.
Method and sources
This survey is compiled from published lender pricing pages and independent rate trackers, captured on the date shown. We present figures as ranges, attribute each to its source, and distinguish best-case advertised rates from typical market averages. We do not collect borrower data and we take no payment to include or exclude a lender. Where a lender does not publish a rate, we say so rather than estimate. Download the data (CSV).
Sources, all accessed June 9, 2026: kiavi.com, newsilver.com, rcncapital.com, limaone.com, visiolending.com, lending.groundfloor.com, corevestfinance.com, homeabroadinc.com, offermarket.us, northcoastfinancialinc.com. Figures are point-in-time and change. This is research, not advice or an offer.