Finance a rental anywhere in Arizona on the property’s cash flow – not your income. Arizona is a high-growth Sun Belt market with strong in-migration and low property taxes. We lend statewide with rates from 5.75%, up to 85% LTV, and DSCR from 0.75x – no tax returns or W-2s.
DSCR Loans in Arizona
A Arizona DSCR loan is an investment-property mortgage that qualifies on the property’s rental income – gross rent divided by full PITIA – instead of your personal income. With a statewide median home value near $440,228 and median rent around $1,562, Arizona is a high-growth Sun Belt market with strong in-migration and low property taxes. We lend up to 85% LTV, accept DSCRs as low as 0.75x, and vest in an LLC or entity with no cap on financed properties.
| Qualifies on | The property’s rent / PITIA (DSCR) – no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| Coverage | All of Arizona – statewide |
How we compare
Arizona investors shop DSCR on leverage, credit access, loan size, and cost. Here is how our program compares with the terms commonly advertised by the leading national DSCR lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National DSCR Lender 1 | Top National DSCR Lender 2 |
|---|---|---|---|
| Rates from | 5.75% | ~6.13% | ~7.49% |
| Max LTV (purchase) | Up to 85% | 80% (85% only 740+ FICO, ≤$1M) | 80% (65-70% at 620-679 FICO) |
| Min DSCR | From 0.75x | From 0.75x | From 0.75x |
| Min FICO | 620 | 620 | 640 |
| Max loan amount | $20M+ | Up to $5M | Up to $3.5M |
| Foreign nationals | Yes – LLC, entity & foreign nationals | Limited | Limited |
| Prepay penalty | Flexible options | 0-5 yr | Varies |
| Fastest closing | As fast as 14 days | Varies | 14-21 days |
| Model | Direct lender since 1998 | Direct lender | Direct lender / fund |
“Top National DSCR Lender 1” and “Lender 2” are generic composites of terms commonly advertised across the national DSCR market as of July 2026 – not any single lender, and subject to change. For general comparison only.
Arizona market data
Representative 2026 statewide indicators for underwriting context – confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median home value (2026) | ~$440,228 (Zillow) |
| Median rent (2026) | ~$1,562/mo (RentCafe / market) |
| Property tax | ~0.6% effective (state average) |
| Top investor metros | Phoenix, Tucson, Mesa, Scottsdale |
| Investor profile | balanced cash flow and appreciation |
Sources: Zillow median home value and RentCafe / World Population Review rent data, 2025-2026; property-tax averages per Tax Foundation. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Where to invest
Arizona’s strongest rental markets include Phoenix, Tucson, Mesa, Scottsdale, and Glendale. Phoenix and its suburbs (Mesa, Glendale) lead the nation in population growth and rental demand, while Tucson offers lower-basis cash flow near the university. We lend in every one of them – and everywhere else in Arizona.
Free tool
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Defaults reflect Arizona statewide medians. Illustrative only – final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Illustrative only; not a rate quote or commitment to lend. Statewide medians vary widely by city and property – we confirm rent with a Form 1007.
Rates
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% – strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Arizona is a high-growth Sun Belt market with strong in-migration and low property taxes. A DSCR loan lets you finance these rentals on the property’s income – no tax returns or W-2s – so you can scale across Phoenix and beyond without income caps.
Our most-financed Arizona markets include Phoenix, Tucson, Mesa, Scottsdale, and Glendale. Phoenix and its suburbs (Mesa, Glendale) lead the nation in population growth and rental demand, while Tucson offers lower-basis cash flow near the university.
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property’s rent via a Form 1007 – no tax returns or W-2s.
Yes. We vest in your name, an LLC, or an entity with no cap on the number of financed properties, and we lend to foreign national investors on Arizona rentals.
Keep exploring
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown “from 5.75%” reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. State market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Comparison columns are generic market composites and are not the terms of, or an endorsement of or by, any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.
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