10-Year Treasury
The benchmark interest rate for U.S. Treasury notes maturing in 10 years. DSCR rates correlate strongly with 10-year Treasury yields; a 25bp rise in the 10-yr typically moves DSCR rates 20–35bp.
Why it matters on a DSCR loan
Watching the 10-year Treasury gives investors a leading indicator of where DSCR pricing is headed, since DSCR rates track it more closely than they track the Fed funds rate headlines. When the 10-year is falling, floating your rate briefly can pay off; when it's volatile or rising, locking early protects your qualifying DSCR from being repriced out of eligibility. Remember a higher rate raises PITIA, so rate moves can change not just your payment but whether the deal qualifies at all.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).