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.
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.
- № 01ColoradoDenver, Boulder, Colorado Springs
- № 02IndianaIndianapolis, Fort Wayne, Evansville
- № 03KentuckyLouisville, Lexington, Bowling Green
- № 04MichiganDetroit, Grand Rapids, Ann Arbor
- № 05MissouriKansas City, St. Louis, Springfield
- № 06NevadaLas Vegas, Henderson, North Las Vegas
- № 07OhioColumbus, Cincinnati, Cleveland
- № 08South CarolinaCharleston, Greenville, Columbia
- № 09TennesseeNashville, Memphis, Chattanooga
- № 10VirginiaRichmond, Virginia Beach, Arlington
Tier 3 markets
High-value but with unique friction — lower LTV, higher DSCR minimums, or complex legal.
- № 01AlabamaBirmingham, Huntsville, Mobile
- № 02AlaskaAnchorage, Fairbanks, Juneau
- № 03ArkansasLittle Rock, Fayetteville, Bentonville
- № 04CaliforniaLos Angeles, San Francisco Bay Area, San Diego
- № 05ConnecticutHartford, New Haven, Stamford
- № 06DelawareWilmington, Dover, Newark
- № 07IdahoBoise, Meridian, Nampa
- № 08IllinoisChicago, Aurora, Rockford
- № 09IowaDes Moines, Cedar Rapids, Davenport
- № 10KansasOverland Park, Olathe, Wichita
- № 11LouisianaNew Orleans, Baton Rouge, Lafayette
- № 12MainePortland, Bangor, Lewiston
- № 13MarylandBaltimore, Montgomery County, Prince George's County
- № 14MississippiJackson, Gulfport, Biloxi
- № 15MontanaBozeman, Billings, Missoula
- № 16NebraskaOmaha, Lincoln, Bellevue
- № 17New HampshireManchester, Nashua, Portsmouth
- № 18North DakotaFargo, Bismarck, Grand Forks
- № 19OklahomaOklahoma City, Tulsa, Edmond
- № 20OregonPortland, Eugene, Bend
- № 21South DakotaSioux Falls, Rapid City, Aberdeen
- № 22UtahSalt Lake City, Provo, Ogden
- № 23VermontBurlington, South Burlington, Montpelier
- № 24WashingtonSeattle, Spokane, Tacoma
- № 25West VirginiaCharleston, Morgantown, Huntington
- № 26WisconsinMilwaukee, Madison, Green Bay
- № 27WyomingCheyenne, Casper, Jackson
States requiring special attention
Unique state rules — PPP bans, rent stabilization, insurance crises, or entity quirks.
- № 01District of ColumbiaWard 1, Ward 2, Ward 4
- № 02HawaiiHonolulu, Maui, Hilo
- № 03MassachusettsBoston, Cambridge, Worcester
- № 04MinnesotaMinneapolis, St. Paul, Rochester
- № 05New JerseyNewark, Jersey City, Paterson
- № 06New MexicoAlbuquerque, Santa Fe, Las Cruces
- № 07New YorkNYC boroughs, Long Island, Westchester
- № 08PennsylvaniaPhiladelphia, Pittsburgh, Allentown
- № 09Rhode IslandProvidence, Warwick, Cranston