{
  "site": "National Loan Provider",
  "url": "https://dominickprevete.com",
  "feed": "https://dominickprevete.com/api/rates.json",
  "canonicalPage": "https://dominickprevete.com/dscr-rates",
  "scenarioSection": "https://dominickprevete.com/dscr-rates#scenarios",
  "pricedOn": "2026-10-18",
  "programRatesAsOf": "October 2026",
  "loanAmount": 400000,
  "amortizationYears": 30,
  "basis": "Every scenario is priced on a $400,000 loan, 30-year fixed, single-family, through the Instant Term Sheet against the lender rate sheets current on the pricing date. The lowest rate is the term sheet's lowest-rate option with the origination points it carries; the no-points rate is its no-points option. The property is a single-family rental in New Jersey vested in an LLC, with the same taxes and insurance on every row, and each row's rent gives the coverage shown at the no-points rate.",
  "rateType": "Term sheet rates from the Instant Term Sheet: broker origination included; third-party lender fees not included",
  "license": "Free to cite with attribution to National Loan Provider (dominickprevete.com).",
  "citationHint": "Cite as \"National Loan Provider DSCR rate scenarios, priced 2026-10-18\" with a link to https://dominickprevete.com/dscr-rates.",
  "disclosure": "National Loan Provider (NLPI LLC) is a mortgage brokerage. It arranges, structures and places business-purpose financing across 100+ third-party lenders; it is not a lender and does not make credit decisions. Every figure in this response is indicative and published for reference only: it is not a quote, a commitment, or an offer of credit, and it is not an assessment of any borrower, property or transaction. Financing is business-purpose investor financing only; National Loan Provider does not arrange financing on owner-occupied residential properties or primary residences. The source and as-of date of the underlying data are stated in the source field.",
  "programRanges": [
    {
      "program": "dscr",
      "name": "DSCR (long-term rental)",
      "from_pct": "7.125",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/dscr-rates"
    },
    {
      "program": "str",
      "name": "DSCR short-term rental",
      "from_pct": "7.5",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/dscr-loan-short-term-rental"
    },
    {
      "program": "fixAndFlip",
      "name": "Fix and flip",
      "from_pct": "8.75",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/fix-and-flip-loans"
    },
    {
      "program": "groundUp",
      "name": "Ground-up construction",
      "from_pct": "10.49",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/ground-up-construction-loans"
    },
    {
      "program": "portfolio",
      "name": "Rental portfolio",
      "from_pct": "7.125",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/rental-portfolio-loans"
    },
    {
      "program": "commercial",
      "name": "Commercial",
      "from_pct": "7.49",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/dscr-rates"
    },
    {
      "program": "bridge",
      "name": "Bridge and 2nd position",
      "from_pct": "8.49",
      "to_pct": null,
      "as_of": "October 2026",
      "page": "https://dominickprevete.com/bridge-loans-real-estate"
    }
  ],
  "scenarios": [
    {
      "id": "purchase-75ltv-780",
      "label": "Purchase — 75% LTV, credit score 780",
      "purpose": "Purchase",
      "ltvPct": 75,
      "fico": 780,
      "dscr": 1.25,
      "prepay": "5-year",
      "pointsOptionRatePct": 7.5,
      "originationPoints": 1.5,
      "noPointsRatePct": 7.75,
      "propertyValue": 533333,
      "monthlyPI": 2866
    },
    {
      "id": "purchase-60ltv-760",
      "label": "Low-leverage purchase — 60% LTV",
      "purpose": "Purchase",
      "ltvPct": 60,
      "fico": 760,
      "dscr": 1.25,
      "prepay": "5-year",
      "pointsOptionRatePct": 7.125,
      "originationPoints": 1.5,
      "noPointsRatePct": 7.375,
      "propertyValue": 666667,
      "monthlyPI": 2763
    },
    {
      "id": "purchase-80ltv-740",
      "label": "High-leverage purchase — 80% LTV",
      "purpose": "Purchase",
      "ltvPct": 80,
      "fico": 740,
      "dscr": 1.2,
      "prepay": "5-year",
      "pointsOptionRatePct": 7.625,
      "originationPoints": 1.5,
      "noPointsRatePct": 8,
      "propertyValue": 500000,
      "monthlyPI": 2935
    },
    {
      "id": "cashout-70ltv-740",
      "label": "Cash-out refinance — 70% LTV",
      "purpose": "Cash-out refinance",
      "ltvPct": 70,
      "fico": 740,
      "dscr": 1.15,
      "prepay": "5-year",
      "pointsOptionRatePct": 7.5,
      "originationPoints": 1,
      "noPointsRatePct": 7.75,
      "propertyValue": 571429,
      "monthlyPI": 2866
    },
    {
      "id": "str-purchase-75ltv-740",
      "label": "Short-term rental purchase — 75% LTV",
      "purpose": "Purchase (short-term rental)",
      "ltvPct": 75,
      "fico": 740,
      "dscr": 1.1,
      "prepay": "5-year",
      "pointsOptionRatePct": 8,
      "originationPoints": 1.5,
      "noPointsRatePct": 8.375,
      "propertyValue": 533333,
      "monthlyPI": 3040
    }
  ],
  "reviewedBy": {
    "@id": "https://dominickprevete.com/about#person",
    "name": "Dominick Prevete"
  },
  "contact": {
    "phone": "(908) 220-6404",
    "email": "dominick@dominickprevete.com"
  }
}