DSCR Availability by Market
DSCR loan programs are offered by wholesale lenders who hold appropriate state licenses. Availability, pricing, and product features change over time and are not uniform nationwide.
The table below is qualitative only. It is not a guarantee of terms or approval. Broker licensing and lender overlays apply in every state.
| State | Market notes (general) |
|---|---|
| Arizona | Active wholesale programs for SFR and small multifamily. Strong short-term rental options in Phoenix metro. |
| California | Multiple DSCR lenders active. Stricter condo guidelines in coastal markets. Cash-out availability varies. |
| Texas | Very active market. Good options for both long-term rentals and furnished STR programs. |
| Florida | High volume of investor activity. Hurricane insurance requirements common on coastal properties. |
| Georgia | Strong DSCR presence in Atlanta and surrounding counties. Good for 2-4 unit properties. |
| North Carolina | Growing investor market. Several national DSCR lenders quote here regularly. |
| Tennessee | Nashville and Memphis have dedicated programs. STR-friendly on many lenders. |
| Colorado | Active in Front Range. Higher altitude and HOA considerations on some mountain properties. |
| + many additional states have at least one active DSCR program. Full coverage is subject to individual lender licenses. Contact us for your specific property location. | |