📊 State of DSCR Lending 2026

Our original data report — $1.58B across 3,469 loans in 49 states. Rankings, benchmarks & trends.

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DSCR Loans by State (28)

Complete 2026 state guides — local rates, top investor markets, and qualification rules.

AlabamaArizonaCaliforniaColoradoConnecticutFloridaGeorgiaIdahoIllinoisIndianaMarylandMassachusettsMichiganMissouriNevadaNew JerseyNew YorkNorth CarolinaOhioOklahomaPennsylvaniaSouth CarolinaTennesseeTexasUtahVirginiaWashingtonWisconsin

DSCR Loans by City (24)

City-level guides covering local sub-markets and rental data.

Atlanta GeorgiaAustin TexasBirmingham AlabamaBoise IdahoBrooklyn New YorkCanadian InvestorsCharlotte North CarolinaCincinnati OhioCleveland OhioDallas TexasHouston TexasIndianapolis IndianaJacksonville FloridaKansas City MissouriKnoxville TennesseeLas Vegas NevadaMemphis TennesseeNashville TennesseeOrlando FloridaPhoenix ArizonaRaleigh North CarolinaSacramento CaliforniaSalt Lake City UtahTampa Florida

Airbnb / Short-Term Rental DSCR by City (16)

Finance vacation rentals on AirDNA projected income — no tax returns.

AtlantaAustinBroken BowDallasDestinGatlinburgKissimmeeKnoxvilleLas VegasMiamiMyrtle BeachNashvilleOrlandoPhoenixScottsdaleTampa

Cash-Out Refinance DSCR by City (13)

Pull equity from your rental, qualifying on its income.

AtlantaBirminghamCharlotteClevelandDallasHoustonIndianapolisJacksonvilleMemphisMiamiOrlandoPhoenixTampa

BRRRR DSCR Loans by City (7)

Buy, rehab, rent, refinance — DSCR financing for the BRRRR strategy.

AtlantaBirminghamClevelandHoustonIndianapolisPhoenixTampa

Foreign National DSCR by City (2)

For non-US-citizen investors — qualify with no US credit required.

MiamiOrlando

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DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548), a licensed mortgage broker. For business-purpose investment properties only. Equal Housing Lender.