Every state we cover
DSCR loans by state: does a median rental cover its payment?
Every state page here runs the same calculation on its own market: the metro's median home value and observed rent (Zillow, August 2026), the state's property-tax and insurance defaults, and the calculator's assumptions (25% down, 7.5%, 30 years). Sorted by the metro that comes closest to covering, so the states where a median purchase still pencils are at the top. 1 of 15 states has at least one metro reaching DSCR 1.00 at the median: Alabama (Mobile, 1.07).
Example result · edit the inputs before relying on this screen
Estimated rent is at least 1.25× PITIA at these inputs; provider underwriting still applies.
What property are these numbers for?
One tap — we don't ask for anything else.
- Loan amount
- $225,000
- Monthly P&I
- $1,573
- PITIA / mo
- $1,998
- Rent minus PITIA / mo
- $502
- Simplified cap rate*
- 8.3%
- Max loan @ 1.25
- $225,253
*Excludes vacancy, maintenance, management, utilities, and other operating expenses.
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Edit the example and select a state to create a share link.
Request DSCR loan options
Start with four deal facts. We’ll show a preliminary program screen before asking how to contact you. There is no guaranteed match, quote, approval, or response deadline.
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You can submit without completing the calculator. We’ll ask for an approximate loan amount and mark the DSCR as not yet calculated.
Free worksheet
Keep a lower-rent scenario with your deal
Use the cash-out calculator to compare base rent with a lower-rent case, then download the assumptions, results and questions for a lender in one CSV. No payment or contact details required.
Open the free comparison →Pro is not currently available for new purchases. This worksheet is a separate free tool.
DSCR lender directory
Published criteria, not an approval.These are the program criteria we track, as each lender publishes them. Nothing here has been screened against a deal yet. Edit the example assumptions and select the property state to see which programs fit your numbers — and note that credit, reserves, appraisal, title, documentation, and provider underwriting are never checked here.
Screen these against your deal ↑Wide DSCR box that will look at ratios as low as 0.75 with compensating factors; a good backstop for marginal deals that other lenders decline.
- • DSCR floor 0.75, FICO 620+, up to 80% LTV.
- • Loan size $100,000–$4,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: griffinfunding.com · read 2026-09-18
Tech-forward lender with a 30-year fixed DSCR product from a 0.75 ratio — one of the lowest floors here — plus an explicit short-term-rental program and instant online pricing.
- • DSCR floor 0.75, FICO 660+, up to 80% LTV.
- • Loan size $150,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
Source: newsilver.com · read 2026-08-18
Visit New Silver via tracked link →High-volume tech-forward lender with fast DSCR closings and a no-income-doc 30-year product; competitive on A/B-class single-family and 2-4 unit. Its rental-loan page states that DSCR loans are originated and funded by Figure Lending LLC dba Figure as of 2026-09-01.
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $75,000–$3,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD, VT.
Source: kiavi.com · read 2026-06-15
Investor-only lender with an explicit short-term-rental DSCR program and a no-ratio option; strong fit for Airbnb deals where long-term rent is thin.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in ND, SD.
Source: easystreetcap.com · read 2026-06-15
Established private lender with a 30-year DSCR rental product from a 1.0 ratio and 660 FICO; up to 80% LTV on purchase plus a dedicated Airbnb/short-term-rental program (700 FICO, 1.3 DSCR).
- • DSCR floor 1.00, FICO 660+, up to 80% LTV.
- • Loan size $85,000–$2,500,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: limaone.com · read 2026-09-18
Non-QM lender with flexible DSCR overlays including sub-1.0 'no-ratio' files; useful when the property does not cover PITIA but the borrower is strong.
- • DSCR floor 1.00, FICO 640+, up to 80% LTV.
- • Loan size $100,000–$1,500,000.
- • Short-term-rental income: no program.
Source: angeloakms.com · read 2026-06-15
Large retail lender with a DSCR investor line; steadier on long-term single-family rentals than on STR, with a conservative LTV ceiling.
- • DSCR floor 1.00, FICO 660+, up to 75% LTV.
- • Loan size $100,000–$2,000,000.
- • Short-term-rental income: no program.
Source: newamericanfunding.com · read 2026-06-15
One of the original DSCR shops; rate/term and cash-out refis on stabilized rentals with a clean, ratio-driven underwrite and a public DSCR calculator.
- • DSCR floor 1.10, FICO 680+, up to 80% LTV.
- • Loan size $75,000–$2,000,000.
- • Short-term-rental (Airbnb/VRBO) income: yes.
- • Does not lend in AK, ND, SD, VT.
Source: visiolending.com · read 2026-06-15
Compensation disclosure: DSCRDealCheck may receive payment for partner-link activity, submitted inquiries, accepted leads, or completed loans. Compensation may affect which providers are included or displayed; it does not change the calculator math. Provider underwriting and terms control.
This is an educational estimate, not a loan offer, pre-approval, or commitment to lend. Providers determine rates, terms, eligibility, transaction classification, and applicable requirements. Not financial, legal, or tax advice.