Yield Spread Premium (YSP)
Compensation paid by the lender to the broker for delivering a loan above the par rate. Disclosed on the Loan Estimate as broker compensation.
Why it matters on a DSCR loan
YSP is how a broker can be paid without charging you upfront — the cost shows up as a rate above par instead of a fee at closing. For investors, neither structure is inherently better: borrower-paid compensation with a lower rate favors long holds, while lender-paid via YSP preserves cash for the next acquisition. Check the Loan Estimate's broker compensation disclosure so you know which structure you're in and can compare quotes on equal footing.
Related terms
Run your own numbers, then get a real quote from 50+ wholesale DSCR lenders.
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).