{"ok":true,"host":"findloanbrokers.com","vertical":"mortgage","protectedOriginationHost":false,"nonMortgageVertical":false,"operator":"Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873)","dataset":{"id":"50-state-dscr-credit-box-benchmark","title":"2026 50-State + DC DSCR & Wholesale Credit-Box Benchmark Dataset","shortTitle":"50-State DSCR & Foreclosure Benchmark","category":"State Legal & Credit-Box Matrix","updatedAt":"2026-11-08","recordCount":51,"description":"Comprehensive 51-jurisdiction dataset covering maximum DSCR LTV caps, minimum DSCR coverage ratios, judicial vs. non-judicial foreclosure frameworks, security instruments, and business-purpose licensing rules.","directAnswerTakeaway":"Across all 50 U.S. states and Washington, DC, standard wholesale DSCR 1–4 unit shelves cap purchase leverage at 80% LTV (1.00x–1.25x DSCR) and cash-out refinances at 75% LTV, while 31 jurisdictions utilize faster Non-Judicial Deed-of-Trust foreclosure (60–120 days) and 20 states require Judicial Mortgage foreclosure (150–330+ days).","citationSource":"Loan Daddy LLC Wholesale Desk · Loan Daddy LLC Quantitative Wholesale Desk (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873)","columns":[{"key":"stateCode","label":"State"},{"key":"stateName","label":"Jurisdiction"},{"key":"foreclosureType","label":"Foreclosure Framework"},{"key":"securityInstrument","label":"Security Instrument"},{"key":"typicalTimelineDays","label":"Typical Foreclosure Timeline"},{"key":"maxDscrLtvBand","label":"Max DSCR LTV Band"},{"key":"minDscrThreshold","label":"Min DSCR Ratio Tier"},{"key":"businessPurposeBrokerRule","label":"Business-Purpose Licensing / Exemption Note"}],"rows":[{"stateCode":"AL","stateName":"Alabama","foreclosureType":"Non-Judicial (Power of Sale)","securityInstrument":"Deed of Trust","typicalTimelineDays":"60–120 Days (Statutory Notice)","maxDscrLtvBand":"Up to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio 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#60DBO-218873)"},{"stateCode":"CO","stateName":"Colorado","foreclosureType":"Non-Judicial (Power of Sale)","securityInstrument":"Deed of Trust","typicalTimelineDays":"60–120 Days (Statutory Notice)","maxDscrLtvBand":"Up to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio Exception Shelves at 65%–75% LTV)","businessPurposeBrokerRule":"Business-Purpose Non-Owner-Occupied Commercial Investment Exemption (Verify Deal-Specific Structure)"},{"stateCode":"CT","stateName":"Connecticut","foreclosureType":"Judicial Foreclosure","securityInstrument":"Mortgage","typicalTimelineDays":"150–330+ Days (Court Docket)","maxDscrLtvBand":"Up to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio Exception Shelves at 65%–75% LTV)","businessPurposeBrokerRule":"Business-Purpose Non-Owner-Occupied Commercial Investment Exemption (Verify Deal-Specific Structure)"},{"stateCode":"DE","stateName":"Delaware","foreclosureType":"Judicial 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to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio Exception Shelves at 65%–75% LTV)","businessPurposeBrokerRule":"Business-Purpose Non-Owner-Occupied Commercial Investment Exemption (Verify Deal-Specific Structure)"},{"stateCode":"ME","stateName":"Maine","foreclosureType":"Judicial Foreclosure","securityInstrument":"Mortgage","typicalTimelineDays":"150–330+ Days (Court Docket)","maxDscrLtvBand":"Up to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio Exception Shelves at 65%–75% LTV)","businessPurposeBrokerRule":"Business-Purpose Non-Owner-Occupied Commercial Investment Exemption (Verify Deal-Specific Structure)"},{"stateCode":"MD","stateName":"Maryland","foreclosureType":"Non-Judicial (Power of Sale)","securityInstrument":"Deed of Trust","typicalTimelineDays":"60–120 Days (Statutory Notice)","maxDscrLtvBand":"Up to 80% Purchase / 75% Cash-Out","minDscrThreshold":"1.00x Standard (0.75x / No-Ratio Exception Shelves at 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