Self-serve qualification, live rates, instant quotes. Built for real estate investors who don't have time for phone tag.
Every day waiting on a loan officer is a day closer to losing the deal. We built VestedNest to remove the bottlenecks.
Most DSCR lenders require you to speak with a loan officer before you see any numbers. You don't need a gatekeeper — you need a rate sheet and a calculator.
By the time you get a callback, comp the property, and negotiate terms, you've lost leverage or lost the deal. Investors need same-session answers, not email chains.
When you can't see how your FICO band and LTV tier translate to rate, you can't underwrite confidently. Black-box quoting is how lenders extract margin from information asymmetry.
From first click to submitted application, everything happens in your browser.
Input property type, estimated rent, purchase price, and your FICO band into the DSCR calculator. No account required.
The calculator outputs your DSCR ratio and rate range across FICO×LTV bands. Full rate matrix available on the rates page — no contact form, no callbacks.
Ready to move? Submit your full application online — entity type, documents, loan details — in under 10 minutes. We follow up within one business day.
Most competitors score 0–2/10 on self-serve. We built the product they won't.
| Feature | VestedNest | Traditional DSCR Lender |
|---|---|---|
| Live rate matrix (no contact form) | ✓ Full FICO × LTV matrix | ✗ "Call for quote" |
| Instant DSCR calculator | ✓ Client-side, instant | ~ Basic or none |
| Online application (no LO required) | ✓ 3-step wizard, online | ✗ Phone or Zoom required |
| No phone calls required | ✓ Entirely self-serve | ✗ Mandatory LO call |
| Rate by FICO band and LTV tier | ✓ Transparent pricing | ✗ Opaque until you apply |
| LLC/entity vesting | ✓ Supported at application | ~ Varies by lender |
| No W-2 or personal income verification | ✓ Rental income only | ✓ Standard for DSCR |
| SFR, 2–4 unit, and STR programs | ✓ All three property types | ~ Some restrict STR |
Most competing DSCR portals audited require a contact form or phone call before surfacing any rate data.
DSCR loans for the three most common investor property types. Select your property on the rates page to see the full matrix.
Long-term SFR rentals are the most straightforward DSCR program. Best pricing at 740+ FICO and 65% LTV, with programs up to 80% LTV.
Duplexes, triplexes, and fourplexes. Slightly higher rates than SFR but strong cash flow potential. Multi-unit DSCR calculated on combined rent roll.
Airbnb and VRBO properties qualify using projected or actual STR income. Rate premium versus SFR; underwriting uses market rental data.
Straight answers. No sales pitch.
Most DSCR programs require a minimum of 620–660. VestedNest's rate matrix starts at the 660–679 band. Better rates unlock at 680+, with the best pricing above 740. See the full breakdown on the rates page.
Up to 80% LTV on single-family rentals. Short-term rental and 2–4 unit properties typically max at 75–80% LTV with a modest rate add-on. Higher LTV means a higher rate — the calculator shows the tradeoff.
No. DSCR loans qualify entirely on the property's rental income — not your personal income. No W-2s, no personal tax returns, no DTI calculation. Your rental income covers the debt service; that's the test. See our rate guide for details.
Yes. DSCR loans are investor loans and entity vesting (LLC, trust, corporation) is standard. A personal guarantee from the principal(s) is typically still required, but the loan can be in the entity's name.
Typical DSCR closings run 21–30 days from a complete application. Expedited closings in 14–21 days are possible with a clean file and appraisal turnaround. Submit your application now to start the clock.
Most DSCR loans include a step-down prepay — typically 3/2/1 (3% in year 1, 2% in year 2, 1% in year 3) or a 5-year step-down. The structure varies by program. Full details are on the rate guide.
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See live rates, run your numbers, and apply — all without a single phone call.
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