Rental Property Interest Rates

Real-time interest rates for rental property financing. Track DSCR loans, conventional rentals, and commercial multifamily rates with historical trends.

Last updated: August 20, 2025 at 9:12 PM UTC

Dscr Loans

0.15%
7.88%
Current market rate

Conventional Rental

0.11%
7.13%
Current market rate

Commercial Multifamily

0.68%
6.38%
Current market rate

Hard Money

0.8%
10.5%
Current market rate

Bridge Loans

1.53%
9.25%
Current market rate

Historical Trends

13-month period
Dscr Loans
Conventional Rental
Commercial Multifamily
Hard Money
Bridge Loans

Loan Type Details

DSCR Loans

Debt Service Coverage Ratio loans based on property cash flow, not personal income. Typically 20-25% down payment.

Conventional Rental

Traditional investment property mortgages requiring personal income verification. Usually 20-25% down payment.

Commercial Multifamily

5+ unit properties financed as commercial real estate. Typically 20-30% down payment with stronger underwriting.

Hard Money

Short-term financing for fix-and-flip projects. Asset-based lending with higher rates but faster closing.

Bridge Loans

Transitional financing for property acquisition or renovation. Typically 6-24 month terms.

Rate Assumptions

Credit Score: 740+ for conventional, 680+ for DSCR
Down Payment: 25% for most loan types
Property Type: Single-family rental or small multifamily
Loan Term: 30-year fixed rate where applicable
LTV Ratio: 75% maximum for investment properties
DSCR Requirement: 1.0x minimum cash flow coverage

Note: Rates shown are market averages and may vary by lender, borrower qualifications, property location, and current market conditions. Always consult with qualified lenders for personalized rate quotes.

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