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Every Major US Market Covered

DSCR Loans in 648+ Cities Across the United States

Browse by state to find city-specific DSCR loan guides with local market data, all 18 DSCR services, and tips from our team of experienced loan professionals.

Why Location Matters for DSCR Loans

DSCR loan qualification depends entirely on the property's rental income vs. the mortgage payment — and both of those numbers are driven by location. A $300K property in Indianapolis might rent for $2,200/month (DSCR of 1.30+), while the same $300K in San Francisco might only rent for $1,800 (DSCR of 0.85). Same price, completely different outcome.

That's why we built city-specific guides for every major market. Each city page includes all 18 DSCR loan services available in that market — from single-family rentals to Airbnb financing to cash-out refinances. Use our DSCR calculator to run the numbers on any property before you make an offer.

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Whiteboard Tip

The best DSCR markets have high rent-to-price ratios. Sun Belt and Midwest cities consistently deliver 1.25+ DSCRs. Coastal cities look great on paper but often have sub-1.0 DSCRs because prices are so high relative to rents. Know your numbers before you pick your market.

Browse DSCR Loans by State

Select your state to see all covered cities and available DSCR services.

Alabama

11 cities
Tax: 0.40%Income: 2–5%
Low property tax (0.40%)Landlord-friendly lawsNon-judicial foreclosure

Alaska

1 city
Tax: 1.07%Income: None
No state income taxNon-judicial foreclosure
High insurance costs

Arizona

16 cities
Tax: 0.62%Income: 2.5% flat
Low property tax (0.62%)Landlord-friendly lawsStrong STR market

Arkansas

8 cities
Tax: 0.63%Income: 2–4.7%
Low property tax (0.63%)Landlord-friendly lawsNon-judicial foreclosure

California

49 cities
Tax: 0.75%Income: 1–13.3%
Low property tax (0.75%)Non-judicial foreclosure
Tenant-friendly lawsHigh insurance costs

Colorado

17 cities
Tax: 0.51%Income: 4.4% flat
Low property tax (0.51%)Strong STR market
STR regulations

Connecticut

8 cities
Tax: 2.15%Income: 3–6.99%
High property tax (2.15%)Tenant-friendly laws

Delaware

4 cities
Tax: 0.57%Income: 2.2–6.6%
Low property tax (0.57%)

District of Columbia

1 city
Tax: 0.56%Income: 4–10.75%
Low property tax (0.56%)Non-judicial foreclosure
Tenant-friendly lawsSTR regulations

Florida

51 cities
Tax: 0.89%Income: None
No state income taxLandlord-friendly laws
High insurance costsSTR regulations

Georgia

22 cities
Tax: 0.92%Income: 1–5.49%
Landlord-friendly lawsStrong STR marketNon-judicial foreclosure

Hawaii

3 cities
Tax: 0.29%Income: 1.4–11%
Low property tax (0.29%)Strong STR market
Tenant-friendly lawsHigh insurance costs

Idaho

9 cities
Tax: 0.63%Income: 5.8% flat
Low property tax (0.63%)Landlord-friendly lawsNon-judicial foreclosure

Illinois

17 cities
Tax: 2.23%Income: 4.95% flat
High property tax (2.23%)Tenant-friendly laws

Indiana

13 cities
Tax: 0.84%Income: 3.05% flat
Landlord-friendly laws

Iowa

9 cities
Tax: 1.57%Income: 4.4–6%
High property tax (1.57%)

Kansas

9 cities
Tax: 1.41%Income: 3.1–5.7%
Landlord-friendly laws

Kentucky

8 cities
Tax: 0.86%Income: 4% flat

Louisiana

9 cities
Tax: 0.55%Income: 1.85–4.25%
Low property tax (0.55%)Landlord-friendly lawsNon-judicial foreclosure
High insurance costsSTR regulations

Maine

4 cities
Tax: 1.36%Income: 5.8–7.15%
Strong STR market

Maryland

11 cities
Tax: 1.07%Income: 2–5.75%
Strong STR market
Tenant-friendly laws

Massachusetts

11 cities
Tax: 1.23%Income: 5% flat
Strong STR marketNon-judicial foreclosure
Tenant-friendly lawsHigh insurance costs

Michigan

17 cities
Tax: 1.54%Income: 4.25% flat
Strong STR marketNon-judicial foreclosure
High property tax (1.54%)High insurance costs

Minnesota

13 cities
Tax: 1.12%Income: 5.35–9.85%
Non-judicial foreclosure

Mississippi

6 cities
Tax: 0.81%Income: 0–5%
Landlord-friendly lawsNon-judicial foreclosure

Missouri

11 cities
Tax: 0.97%Income: 2–4.95%
Landlord-friendly lawsStrong STR marketNon-judicial foreclosure

Montana

5 cities
Tax: 0.83%Income: 4.7–6.75%
Landlord-friendly lawsStrong STR marketNon-judicial foreclosure

Nebraska

5 cities
Tax: 1.73%Income: 2.46–6.64%
Landlord-friendly laws
High property tax (1.73%)

Nevada

6 cities
Tax: 0.55%Income: None
No state income taxLow property tax (0.55%)Landlord-friendly laws
STR regulations

New Hampshire

5 cities
Tax: 2.18%Income: None
No state income taxStrong STR marketNon-judicial foreclosure
High property tax (2.18%)

New Jersey

16 cities
Tax: 2.47%Income: 1.4–10.75%
Strong STR market
High property tax (2.47%)Tenant-friendly laws

New Mexico

6 cities
Tax: 0.80%Income: 1.7–5.9%

New York

15 cities
Tax: 1.72%Income: 4–10.9%
High property tax (1.72%)Tenant-friendly laws

North Carolina

22 cities
Tax: 0.84%Income: 4.5% flat
Landlord-friendly lawsStrong STR marketNon-judicial foreclosure
STR regulations

North Dakota

4 cities
Tax: 0.98%Income: 0–2.5%
Landlord-friendly laws

Ohio

19 cities
Tax: 1.56%Income: 0–3.75%
High property tax (1.56%)

Oklahoma

10 cities
Tax: 0.90%Income: 0.25–4.75%
Landlord-friendly lawsNon-judicial foreclosure

Oregon

13 cities
Tax: 0.97%Income: 4.75–9.9%
Tenant-friendly lawsSTR regulations

Pennsylvania

13 cities
Tax: 1.58%Income: 3.07% flat
High property tax (1.58%)

Rhode Island

4 cities
Tax: 1.63%Income: 3.75–5.99%
Non-judicial foreclosure
High property tax (1.63%)Tenant-friendly laws

South Carolina

14 cities
Tax: 0.57%Income: 0–6.5%
Low property tax (0.57%)Landlord-friendly lawsStrong STR market

South Dakota

3 cities
Tax: 1.22%Income: None
No state income taxLandlord-friendly lawsNon-judicial foreclosure

Tennessee

17 cities
Tax: 0.66%Income: None
No state income taxLow property tax (0.66%)Landlord-friendly laws
STR regulations

Texas

53 cities
Tax: 1.80%Income: None
No state income taxLandlord-friendly lawsStrong STR market
High property tax (1.80%)

Utah

17 cities
Tax: 0.58%Income: 4.65% flat
Low property tax (0.58%)Landlord-friendly lawsStrong STR market
STR regulations

Vermont

1 city
Tax: 1.90%Income: 3.35–8.75%
Strong STR market
High property tax (1.90%)Tenant-friendly laws

Virginia

19 cities
Tax: 0.82%Income: 2–5.75%
Non-judicial foreclosure

Washington

20 cities
Tax: 0.98%Income: None
No state income taxNon-judicial foreclosure
Tenant-friendly lawsSTR regulations

West Virginia

4 cities
Tax: 0.58%Income: 3–6.5%
Low property tax (0.58%)Landlord-friendly lawsNon-judicial foreclosure

Wisconsin

14 cities
Tax: 1.76%Income: 3.54–7.65%
High property tax (1.76%)

Wyoming

5 cities
Tax: 0.61%Income: None
No state income taxLow property tax (0.61%)Landlord-friendly laws

Top DSCR Loan Markets in 2026

These are the most active DSCR markets based on loan volume, rental demand, and investor activity. Each city has strong rent-to-price ratios that make DSCR qualification easier.

Houston, TX

Massive rental market, no state income tax

Miami, FL

STR capital, international investor hub

Atlanta, GA

Affordable, high rent growth, strong DSCR ratios

Dallas, TX

Population boom, landlord-friendly laws

Phoenix, AZ

Sun Belt growth, strong STR market

Nashville, TN

Tourism + long-term rental demand

Orlando, FL

Vacation rental powerhouse

Charlotte, NC

Banking hub, affordable entry point

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Whiteboard Tip

Texas and Florida dominate DSCR lending for a reason: no state income tax, landlord-friendly laws, population growth, and strong rent-to-price ratios. If you're new to DSCR investing, these two states are the easiest place to start.

18 DSCR Services Available in Every City

Every city page includes access to all 18 DSCR loan programs. Whether you're financing a single-family rental, a multi-family property, or doing a BRRRR refinance — your city page connects you to the right service with local market context.

View All 18 ServicesDSCR CalculatorSpeak to a Loan Officer

Can't Find Your City?

DSCR loans are available nationwide. Even if your city isn't listed, our loan officers can help. Text us and we'll get you connected.

(855) 300-DSCR | Text