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Blog
Rates, lender analysis, market updates, and investor strategy from the DSCR Authority editorial team. Updated weekly.
How STR regulations in NYC, Boston, Seattle, New Orleans, Honolulu, Nashville, and Portland affect DSCR underwriting — with lender stance, LTV caps, and rate overlays by city.
Most DSCR senior lenders won't subordinate to a new HELOC. See which lenders will, and when a cash-out refi is actually the better path. Get matched to the right lender.
How to structure a DSCR senior mortgage with a seller-carried second. CLTV limits, subordination rules, and documentation lenders require. Book a call to build the stack.
30-year non-QM DSCR vs 25/5 commercial mortgage for 5+ unit investors — side-by-side rate, recourse, balloon, and a worked $1.4M 8-unit Atlanta example.
2026 mortgage rate outlook for DSCR investors: where rates are headed, lock vs float timing, refi break-even, and how non-QM pricing tracks the 10-year Treasury.
Arizona DSCR lender appetite in 2026 — Phoenix/Scottsdale cap rates, low property tax tailwinds, STR preemption, and when 5/4/3/2/1 PPP beats no-PPP on AZ deals.
How California DSCR lenders price AB1482 rent caps, Prop 13 reassessment, the $800 LLC tax, and coastal insurance in 2026 — scenario math for LA, Bay Area, and Inland Empire investors.
How New York DSCR lenders price judicial foreclosure, mandatory no-PPP, rent stabilization, Good Cause Eviction, and LLC publication costs in 2026 — Buffalo vs NYC decision math.
Exactly which assets count toward DSCR loan reserve requirements — bank, brokerage, retirement, crypto, and foreign — with lender-by-lender haircuts. Plan before you apply.
DSCR cash-out refi vs investment property HELOC — rate math, tax treatment, and a worked $400K duplex example. Find out which wins at your hold period.
Six reasons a DSCR loan gets denied — low DSCR, property overlays, credit events, reserves, title issues, appraisal gaps — plus how to shop the decline letter to a second lender.
Current DSCR loan rates as of May 2026: where rates are, what's driving them, and what investors should expect through mid-year. Updated weekly.
DSCR loans after bankruptcy, foreclosure, or short sale depend on seasoning windows — not DTI. Lender-by-lender matrix, FICO floors, and a worked example inside.
How foreign nationals finance US rental property with a DSCR loan: LTV caps, documentation, country restrictions, and lender comparison. Book a strategy call.
Property cash flow below 1.0 DSCR? Lenders still close these deals — at specific LTV haircuts and rate add-ons. Full tier map, worked example, and lender matrix inside.
Foreign nationals and new US arrivals can qualify for DSCR investment loans without a US FICO score. International credit, thin-file workarounds, and a worked example.
How DSCR lenders and appraisers handle unpermitted ADU income on Form 1007. Know before you make the offer. Get a 24-hour answer at /get-matched/.
Foreign bank accounts, international brokerage, and offshore assets can count as DSCR reserves — if documented correctly. Learn what works and what triggers AML review.
ITIN holders can access DSCR investment loans without a Social Security number. Lender matrix, LTV caps, and a worked example. Get matched to an ITIN-friendly lender.
Which LLC type do DSCR lenders actually accept in 2026 — single-member, series, Wyoming, or Delaware? Scenario trade-offs for asset protection vs closing friction.
Florida DSCR loan guide: top investor cities, hurricane insurance underwriting, post-Surfside condo rules, STR regulation, and how lenders price FL deals today.
How DSCR lenders underwrite mid-term rental income — Form 1007, operator rent rolls, and lender stance differences. Get pre-qualified before you sign.
Coordinate a DSCR loan with 1031 exchange deadlines without busting the 45-day or 180-day clock. Step-by-step timing guide from a CPA.
DSCR prepayment penalties add 0.35–0.50% to your rate savings — or cost more than they're worth. Worked math for 24-month and 84-month holds, plus a state restriction table.
Land trusts offer privacy for rental property ownership — but most DSCR lenders refuse them. A CPA explains which structures are accepted and why the beneficiary LLC matters.
Worked DSCR math on a Cleveland triplex — Form 1025 rents, reserve overlays, and LTV by unit count. Pair with our 2–4 unit reference guide for program limits.
Post-Surfside milestone inspections, HOA questionnaires, and LTV haircuts on Florida non-warrantable condo DSCR files — scenario guide for investors under contract.
How to structure a DSCR permanent exit on a build-to-rent project. Stabilization rules, seasoning, portfolio BTR, and a worked Phoenix 8-home example. Get pre-structured.
How to use the DSCR delayed financing exception to pull cash out after an all-cash purchase — documentation, LTV caps, and a worked $415K ARV example. Get matched to a lender in 24 hours.
How the DSCR lending market has shifted in 2026: new entrants, tightening overlays, expanded no-ratio programs, and what the changes mean for investors building portfolios.
Behind the neutral comparison: exactly how DSCR Authority researches, scores, and refreshes its DSCR lender data. No paid placements, no hidden rankings.