Pillar
DSCR loans in all 50 states
DSCR lending varies dramatically by state. Property taxes, foreclosure timelines, rent control, landlord-tenant law, and insurance markets can shift a deal from cash-flow positive to underwater. Start here.
Interactive coverage map
DSCR loans in every state — click to explore
Property taxes, foreclosure timelines, rent control, and PPP rules vary dramatically by state. Click any state for its DSCR lending snapshot and the full investor guide.
Click any state on the map to see its DSCR lending snapshot — taxes, foreclosure timeline, rent control, and top markets.
Tier 1 markets
Highest DSCR lender competition, investor-friendly law, strong rental demand.
Tier 2 markets
Strong markets with specific considerations — often higher cash-flow yields.
Denver, Boulder, Colorado Springs
Indianapolis, Fort Wayne, Evansville
Louisville, Lexington, Bowling Green
Detroit, Grand Rapids, Ann Arbor
Kansas City, St. Louis, Springfield
Las Vegas, Henderson, North Las Vegas
Columbus, Cincinnati, Cleveland
Charleston, Greenville, Columbia
Nashville, Memphis, Chattanooga
Richmond, Virginia Beach, Arlington
Tier 3 markets
High-value but with unique friction — lower LTV, higher DSCR minimums, or complex legal.
Birmingham, Huntsville, Mobile
Anchorage, Fairbanks, Juneau
Little Rock, Fayetteville, Bentonville
Los Angeles, San Francisco Bay Area, San Diego
Hartford, New Haven, Stamford
Wilmington, Dover, Newark
Boise, Meridian, Nampa
Chicago, Aurora, Rockford
Des Moines, Cedar Rapids, Davenport
Overland Park, Olathe, Wichita
New Orleans, Baton Rouge, Lafayette
Portland, Bangor, Lewiston
Baltimore, Montgomery County, Prince George's County
Jackson, Gulfport, Biloxi
Bozeman, Billings, Missoula
Omaha, Lincoln, Bellevue
Manchester, Nashua, Portsmouth
Fargo, Bismarck, Grand Forks
Oklahoma City, Tulsa, Edmond
Portland, Eugene, Bend
Sioux Falls, Rapid City, Aberdeen
Salt Lake City, Provo, Ogden
Burlington, South Burlington, Montpelier
Seattle, Spokane, Tacoma
Charleston, Morgantown, Huntington
Milwaukee, Madison, Green Bay
Cheyenne, Casper, Jackson
States requiring special attention
Unique state rules — PPP bans, rent stabilization, insurance crises, or entity quirks.
Ward 1, Ward 2, Ward 4
Honolulu, Maui, Hilo
Boston, Cambridge, Worcester
Minneapolis, St. Paul, Rochester
Newark, Jersey City, Paterson
Albuquerque, Santa Fe, Las Cruces
NYC boroughs, Long Island, Westchester
Philadelphia, Pittsburgh, Allentown
Providence, Warwick, Cranston