DSCR Loans Louisiana
Finance Louisiana rental property on the property’s cash flow – not your tax returns. Up to 85% LTV, DSCR from 0.75x, rates from 5.75%.
- Up to 85% LTV statewide – purchase, refi or cash-out
- Qualify on rent, not income – no W-2s or tax returns
- DSCR from 0.75x, FICO from 620, rates from 5.75%
- Close in an LLC in as fast as 14 days
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DSCR loans in Louisiana, explained
A DSCR loan in Louisiana is an investment-property mortgage that qualifies on the rent your property earns rather than your personal income, using rent divided by the payment (PITIA). Louisiana investors use these loans for New Orleans short-term rentals, Baton Rouge and Lafayette growth markets, and Shreveport and Monroe cash-flow homes – with up to 85% LTV, DSCR from 0.75x, credit from 620, and rates from 5.75%, and closings in as fast as 14 days.
Louisiana pairs low entry prices and strong yields with a caveat: landlord and flood insurance are the highest in the country, so we underwrite realistic insurance into every DSCR. New Orleans offers permitted short-term-rental upside, Baton Rouge and Lafayette combine growth with sub-$250,000 medians, and Shreveport and Monroe deliver the state’s lowest-price cash flow.
Best places to invest in Louisiana
Louisiana coverage spans permitted-STR New Orleans to high-yield Shreveport and Monroe – always net of insurance.
DSCR Loans New Orleans
Tourism-and-port economy with permitted short-term-rental upside.
DSCR Loans Baton Rouge
Capital and LSU demand with population growth and sub-$250K medians.
DSCR Loans Shreveport
The state’s lowest prices – a beginner cash-flow market.
DSCR Loans Lafayette
Energy, healthcare, and university growth in Acadiana.
DSCR Loans Lake Charles
Casinos and petrochemical jobs with strong yields.
DSCR Loans Monroe
Affordable northeast-Louisiana cash flow with ULM demand.
DSCR Loans Alexandria
Central-Louisiana healthcare-and-services hub.
DSCR Loans Metairie
Stable, higher-income New Orleans suburb.
Louisiana DSCR calculators
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Louisiana DSCR loan terms
| Max LTV | Up to 85% purchase / 80% cash-out |
|---|---|
| Min DSCR | From 0.75x (no-ratio options available) |
| Min FICO | From 620 |
| Rates | From 5.75% (tier and LTV dependent) |
| Terms | 30-yr and 40-yr fixed, plus interest-only |
| Income docs | None – qualify on rent, no W-2s or tax returns |
| Property types | 1-4 units, condos, small multifamily, mixed-use |
| Short-term rentals | Airbnb / VRBO income accepted where permitted |
| Vesting | Close in an LLC or personal name |
| Closing speed | As fast as 14 days |
Louisiana investors use DSCR on permitted New Orleans STRs, Baton Rouge and Lafayette growth rentals, and Shreveport and Monroe cash-flow homes – underwriting the state’s high insurance into coverage.
DSCR Loans by City in Louisiana
We lend statewide. Explore local Louisiana DSCR programs by city:
Apply for your Louisiana DSCR loan
Tell us about the property and get a same-day quote. Qualify on rent, close in an LLC, and scale with no cap on financed properties.
Start Your LA Application
Get Your Free Quote! No Credit Pull Required.
Louisiana DSCR loan FAQ
Does Louisiana insurance affect my DSCR?
Yes – Louisiana has the country’s highest landlord insurance plus flood coverage, which raises PITIA and lowers DSCR. We underwrite realistic costs so the ratio is accurate.
Which Louisiana city has the best cash flow?
Shreveport, Monroe, and Alexandria lead on low-price yield; New Orleans leans on permitted STR revenue; Baton Rouge and Lafayette add growth.
Can I use short-term-rental income in Louisiana?
Yes, where permitted – New Orleans has strict, zone-specific STR rules. We underwrite STR income from market data or history.
How fast can a Louisiana DSCR loan close?
As fast as 14 days after appraisal and title.
Rates, LTVs and terms are illustrative, subject to change, and depend on property, credit and program. Not a commitment to lend. Equal Housing Opportunity. Calculator results are estimates.
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