Rates & Pricing

How much does credit score impact DSCR rate? Going from 680 to 720

Priya S. · Mar 9, 2026 · 476 views

My score is currently 683. If I wait 3 months to get to 720+, how much would I save on my rate? Is it worth delaying?

Replies

2 replies

Marcus R. Mar 9, 2026

Generally the pricing tiers are around 660, 680, 700, 720, and 740+. Going from 683 to 720 could save you 0.25-0.50% in rate. On a $500k loan that is roughly $100-200 per month.

Arin_B Mar 9, 2026

Marcus is right on the tiers. Happy to run a rate comparison at both scores so you can see the exact dollar difference.

How much does credit score impact DSCR rate? Going from 680 to 720

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