--- title: "Onslow Bay Financial Loan Requirements & Rates (2026)" description: "Onslow Bay Financial investor loan terms: min credit score 660, up to 80% LTV, loans Up to $3M. DSCR rental loans. Sourced from the lender’s own site." canonical: https://lendertracker.com/lenders/onslow-bay-financial/ last_updated: 2026-10-28 content_signal: "search=yes, ai-input=yes, ai-train=yes" --- Canonical URL: (this is the Markdown version of that page). Last updated October 28, 2026. # Onslow Bay Financial What Onslow Bay Financial publishes about its DSCR rental loans, with links to every source. DSCR rental **Where they lend:** Nationwide · **Checked** Oct 28, 2026 Who runs this: Alex English, a [licensed MLO with Kenwood Mortgage Investments](https://lendertracker.com/disclosure/) (listed here like every other lender, with no special placement), who also makes business-purpose private loans. LenderTracker takes no per-loan or per-lead fees. [Full disclosure](https://lendertracker.com/disclosure/). ## Key terms - **Min credit score:** 660 - **Max purchase LTV:** 80% - **Loan size:** Up to $3M - **Starting rate:** Not published - **Max cash-out LTV:** Not published - **Min DSCR:** 0.75x - **Short-term rentals:** Not published - **Foreign nationals:** Yes - **Prepayment penalty:** Not published - **How they work:** Correspondent (buys closed loans from approved originators; no direct borrower lending) “Not published” means the lender doesn’t show that figure on its website. We never guess. Summary figures use the lender’s rental (DSCR) program where it has one, otherwise its bridge program. Loan size spans all programs. **Note:** Onslow Bay is a correspondent aggregator owned by Annaly Capital Management. It buys closed loans and says it is not an end originator, so borrowers reach these programs through its approved originators. Active in Yavapai County, Arizona: named as lender on a recorded document in the Yavapai County Recorder's public records (recorded Aug 9 to Oct 28, 2026). ## Where they lend **Nationwide (more than 10 states, or says nationwide)**: state count not published About page says its expanded credit programs give borrowers access to credit "across the country" and that it holds approvals to buy loans in all 50 states and DC. No state list or exclusions published. Loans come through approved originators, not directly from Onslow Bay. Source: [www.onslowbayfinancial.com/about-onslow-bay](https://www.onslowbayfinancial.com/about-onslow-bay) Arizona and Tennessee: Nationwide lender: [on the nationwide list](https://lendertracker.com/nationwide-lenders/), not on state pages ## Programs ### DSCR rental program - **Notes:** DSCR Plus: min FICO 660, max LTV 80%, min DSCR 0.75x or no ratio, max loan $3.0M; interest-only available; professional investors only (12 months managing income property) ### DSCR rental program - **Notes:** Cross Collateralized: up to 15 properties, min FICO 680, max LTV 75%, min DSCR 1.10x per property, max loan $2.0M ### Foreign national program - **Max LTV:** Up to 65% - **Notes:** Foreign National Plus: max loan $1.0M; investment properties and second homes ## Sources and change history ### Pages we read - [www.onslowbayfinancial.com/our-programs](https://www.onslowbayfinancial.com/our-programs) - [www.onslowbayfinancial.com/about-onslow-bay](https://www.onslowbayfinancial.com/about-onslow-bay) Checked October 28, 2026. Terms change often, so confirm directly with Onslow Bay Financial before you apply. ### Change history No term changes logged yet for this lender. [Full change log](https://lendertracker.com/changes/) ### See something out of date? Borrowers and lenders can report updated terms. [Report terms](https://lendertracker.com/suggest-a-lender/?lender=onslow-bay-financial) ### Compare on these lists - [Nationwide lenders (more than 10 states)](https://lendertracker.com/nationwide-lenders/) - [DSCR rental lenders](https://lendertracker.com/dscr-lenders/) - [Foreign national lenders](https://lendertracker.com/foreign-national-dscr-lenders/) ## Similar lenders Lenders with overlapping loan types and the same kind of coverage. - [**5th Street Capital**Nationwide · Min credit 660 · Up to 85% LTVDSCR rental](https://lendertracker.com/lenders/5th-street-capital/) - [**A&D Mortgage**NationwideDSCR rental](https://lendertracker.com/lenders/a-d-mortgage/) - [**ABC Grand Inc.**Nationwide · Min credit 640 · Up to 75% LTVDSCR rentalFix and flipBridge](https://lendertracker.com/lenders/abc-grand/) - [**BridgePoint (bplending.com)**NationwideDSCR rentalFix and flipBridge](https://lendertracker.com/lenders/bridgepoint/) - [**Cactus Capital**NationwideDSCR rentalFix and flipBridgeGround-up](https://lendertracker.com/lenders/cactus-capital/) - [**Capital Funding Financial**Nationwide · Min credit 660 · Up to 80% LTVDSCR rentalFix and flipBridgeHard money](https://lendertracker.com/lenders/capital-funding-financial/) ## Onslow Bay Financial loan requirements: FAQ ### What credit score does Onslow Bay Financial require? Onslow Bay Financial publishes a minimum credit score of 660 (as of October 28, 2026). It’s the lowest minimum it publishes for any program, so check the program details. Source: the lender’s own published materials, linked on this page. ### How much can I borrow with Onslow Bay Financial (max LTV)? Onslow Bay Financial publishes a maximum purchase LTV of 80% (as of October 28, 2026). Maximums usually depend on credit score, experience and property type. ### What loan sizes does Onslow Bay Financial offer? Onslow Bay Financial publishes loan sizes of up to $3M (as of October 28, 2026). Source: the lender’s own published materials, linked on this page. ### What DSCR does Onslow Bay Financial require? Onslow Bay Financial publishes a minimum DSCR of 0.75x (as of October 28, 2026). Source: the lender’s own published materials, linked on this page. Information on LenderTracker is for general research only and is not lending, legal, tax or investment advice. Not an offer or commitment to lend. Lender names and trademarks belong to their owners. © 2026 LenderTracker. --- Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. Full disclosure: https://lendertracker.com/disclosure/