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Investor loans don’t move in perfect sync with traditional mortgage rates. DSCR loans typically price about 50 bps (0.50%) higher than conforming 30-year fixed rates. These loans are based on property cash flow rather than personal income, so the added risk premium shows up in the rate.

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Short-term financing like fix & flip or ground-up construction loans follows a different model. Pricing usually starts around a 9.5% base rate, then adjusts up or down depending on experience level, credit strength, leverage, and project complexity.

An experienced investor with strong liquidity may land closer to 9.5%–10.5%, while newer investors or high-leverage projects can see rates between 10.5%–12%.