LLC loan rates: no rate sheet, just five levers.
Anyone printing "today's DSCR rates" is printing a best-case that isn't yours. Investor pricing is built per deal — so let's talk about the levers you control.
The five levers that set an investor rate.
The ratio.
The stronger the property's DSCR — rent versus cost — the sharper the pricing tiers you unlock. Cash flow is a discount you earn.
Leverage.
More skin in the deal, better pricing. Where you sit on the leverage curve is one of the biggest dials on the sheet.
Credit.
Entity on title or not, the guarantors' scores drive pricing brackets. An investor's credit is a working tool; sharpen it between deals.
Property type & use.
A single-family long-term rental prices differently than a fourplex, a condo, or a short-term rental. Same money, different risk math.
Prepayment structure.
Here's the lever nobody explains: most DSCR loans carry a prepayment penalty period, and choosing a longer one typically buys a better rate, while paying to shorten or remove it costs pricing. Planning to hold seven years? That's a lever in your favor.
Why the same deal gets different quotes.
Every DSCR lender weights those levers differently — one is aggressive on low ratios, another on short-term rentals, a third on 2–4 units. A bank shows you its one sheet. We throw your exact scenario at the whole wholesale wall and hand you the survivor. On investor loans, the spread between quotes is routinely wide enough to change the deal's math — this is the loan category where shopping pays most.
What we need for a real number.
Address, purchase price (or value, for a refi), expected rent, your credit ballpark, and how long you plan to hold. That's it — no tax returns, no SSN for the conversation, and pricing usually comes back same day. Text it, honestly. Investors do.
Straight answers.
Straight answers — the same way you'd get them on the phone.
Why won't you just show a rate table?+
Because it'd be marketing, not information. Rates move daily and price per scenario — a printed number is either stale or nobody's. We'd rather quote your deal accurately in an hour than flatter you on a webpage.
Are LLC loan rates higher than regular mortgage rates?+
Investor programs price differently than owner-occupied agency loans — different risk, different market. The honest comparison is your quoted deal versus the same deal elsewhere, and we encourage exactly that comparison. Bring us anyone's quote.
Does the prepay penalty option really change my rate?+
Meaningfully, yes — it's one of the biggest levers you directly control. We'll price your scenario at each structure so the hold-period math is yours to choose.
How fast can I get real pricing?+
Same day for a complete scenario, typically. Speed is a feature of the wholesale channel — and of a broker who answers after 5.
This page is general information, not legal or tax advice.