DSCR loans are available in nearly every state. DSCRloans.net funds investment property loans in 47 states plus Washington D.C. Only North Dakota, South Dakota, and Vermont have limited availability due to state licensing.
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.