DSCR Loans Nationwide
Finance rental property anywhere in the country on the property's cash flow — not your income. No W-2s, no tax returns, no employment verification. CambridgeHomeLoan.com is a direct DSCR lender since 1998, funding purchases, refinances, and cash-out in all 50 states.
- Qualify on the property's rent — no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- All 50 states · direct lender since 1998 · no income verification
- SFR, Condo, 2–4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Nationwide DSCR Loans — Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property's rent ÷ payment (DSCR), not your personal income.
- Market: all 50 states — nationwide. 620+ (best pricing 720–780+).
- Max LTV: Up to 85% (purchase) · 75–80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720–780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity — foreign nationals eligible.
- Lender: CambridgeHomeLoan.com — direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Nationwide
What is a DSCR loan in Nationwide?
A DSCR loan is an investment-property mortgage that qualifies you on the rental income of the property rather than your personal income — gross rent divided by full PITIA (principal, interest, taxes, insurance, HOA). If the property's rent covers the payment, you qualify — with no tax returns, W-2s, or DTI. DSCR loans are the fastest, most flexible way for real estate investors to buy and refinance rentals, from single-family and 2–4 units to condos, multifamily, short-term rentals, and mixed-use — with financing available in every state.
| 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 |
| County | all 50 states — nationwide |
How we compare
CambridgeHomeLoan vs. Top National DSCR Lenders
Nationwide investors shop DSCR terms hard. Here's how our program stacks up against the terms commonly advertised by top national DSCR lenders. Where we lead, it's highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Rates from | 5.75% | ~5.75–6.5%+ |
| Max LTV (purchase) | Up to 85% | Typically 80% (85% only for 740+ FICO, smaller loans) |
| Min DSCR | From 0.75x | 1.0 standard (0.75 with factors) |
| Min FICO | 620 | 620–640 |
| Max loan amount | $20M+ | Commonly $3M–$5M |
| Foreign nationals | Yes — LLC, entity & foreign nationals | Limited / program-dependent |
| Fastest closing | As fast as 14 days | Varies |
| Model | Direct lender since 1998 | Direct lender |
"Top national lenders" reflects terms commonly advertised across the DSCR market on publicly published program pages as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Nationwide program
DSCR loan program at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Coverage | All 50 states — nationwide |
| Rates from | 5.75% (strongest profiles; subject to change) |
| Max LTV | Up to 85% (purchase) · up to 85% refinance · 80% cash-out |
| Min DSCR | 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720–780+) |
| Loan amounts | $100K to $20 Million+ · vest personal, LLC, or entity |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Nationwide coverage
DSCR loans by state — where we lend
We lend in all 50 states. These featured markets show the range — from high-cash-flow Midwest and Southeast metros to appreciation-and-STR coastal markets. Jump to a state hub for local rent data and underwriting rules.
| State | Market angle | DSCR profile |
|---|---|---|
| Florida | No state income tax · beach STR | Tourism, snowbird, military & vacation rentals |
| Texas | No state income tax · military BAH | High property taxes; Killeen, El Paso, San Antonio |
| Ohio | Cash-flow & BRRRR capital | Property-tax-driven; Cleveland, Columbus, Cincinnati |
| Tennessee | No state income tax · Smokies STR | Memphis cash flow; Nashville growth |
| Georgia | Atlanta growth + military | Moderate taxes; Savannah tourism |
| North Carolina | Growth + low property taxes | Charlotte banking; Research Triangle |
| Alabama | Among lowest property taxes in the U.S. | Huntsville aerospace; Birmingham cash flow |
| Indiana | Constitutional property-tax caps | Midwest cash flow; Indianapolis, Fort Wayne |
| Pennsylvania | Row-home cash flow & Section 8 | Philadelphia, Pittsburgh; affordable Northeast |
| California | Highest appreciation + ADUs | Central Valley cash flow; Palm Springs STR |
We lend in all 50 states; jump to a state hub for local rent data and underwriting rules.
Free tool
Nationwide rent & DSCR calculator
Enter the property's monthly rent, your loan, and carrying costs to estimate your DSCR (rent ÷ PITIA) and monthly cash flow. Illustrative only — final DSCR uses the appraiser's Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (all 50 states — nationwide)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Worked example
A real Nationwide DSCR scenario
A typical U.S. rental rents for $1,600/month. On a $200,000 loan at ~7.25% (30-yr), P&I is ~$1,364; add property taxes (~$200/mo) and insurance (~$133/mo) and PITIA is ~$1,697 — a DSCR near 0.94x that Midwest and Southeast cash-flow markets, military BAH, and short-term rentals push past 1.0x, while coastal appreciation markets lean on ADUs and STR. The variables that move it most are local property taxes and insurance. Illustrative only; confirmed by a Form 1007.
Rates
Nationwide DSCR rate tiers (2026)
| 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.
Short-term rentals
Airbnb & short-term rentals in Nationwide
Short-term rental rules vary sharply by city and state — some markets (Kissimmee, Panama City Beach, Palm Springs, the Smoky Mountains) are premier STR zones, while others heavily restrict rentals. DSCR loans underwrite permitted STR income from a Form 1007 plus a market schedule; most deals underwrite on long-term, military, or Section 8 rent.
Requirements
Nationwide DSCR loan 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
Nationwide DSCR loan FAQ
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is an investment-property mortgage that qualifies you on the property's rental income instead of your personal income — gross rent divided by full PITIA. No W-2s, tax returns, or employment verification, making it the loan of choice for real estate investors nationwide.
What states do you lend DSCR loans in?
All 50 states. CambridgeHomeLoan.com is a direct DSCR lender since 1998, funding purchases, refinances, and cash-out nationwide — from high-cash-flow Midwest and Southeast metros to appreciation and short-term-rental coastal markets.
What are the DSCR loan requirements?
A minimum 620 FICO (best pricing 720–780+), typically 20–25% down (up to 85% LTV), and a DSCR from 0.75x with compensating factors — with no-ratio options. No income or employment documentation is required; qualification rests on the property's rent versus its full PITIA.
Can I use a DSCR loan for short-term rentals, BRRRR, or an LLC?
Yes. DSCR loans finance long-term rentals, permitted short-term/vacation rentals, and BRRRR refinances, and can close in your name, an LLC, or an entity — with no cap on the number of financed properties.
Keep exploring
Explore DSCR loans by state
© 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. Rental income figures are market estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Short-term-rental regulations vary by municipality — verify zoning and registration before purchase. Comparisons reflect publicly available information as of July 2026 and are not endorsements or affiliations. This page is informational and does not constitute financial, legal, tax, or investment advice.