DSCR loans are available in 44 jurisdictions where Xpert Home Lending, Inc. is licensed, including Washington D.C. See our state licenses page for the full list and license numbers.
State-by-state pricing and terms vary slightly based on property values, tax rates, insurance costs, and any state-specific overlays. Coastal states (California, Florida, Texas, New York) have higher loan limits available up to $5M+; Midwest and mountain states typically max at $2-3M per property. Non-warrantable condos, condotels, and short-term rentals get careful state-level review — Florida STR-friendly markets like Panama City Beach and Kissimmee are approved, while some California cities with STR bans are restricted.
Choose your state below to see local rate ranges, top rental markets, average DSCR by property type, and city-level guides for the largest metros. We publish deep guides for California, Texas, Florida, Arizona, Georgia, North Carolina, Tennessee, Ohio, Pennsylvania, and 30+ other states.