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Verified Commercial & DSCR Lender Directory
50 States + Washington, D.C. · 2026 DSCR Underwriting Matrix · findloanbrokers.com

DSCR Loans by State — 2026 Rates, Foreclosure Laws & Escrow Benchmarks

Debt Service Coverage Ratio (DSCR) loans qualify 1–4 unit residential rentals, Airbnbs, and 5–100+ unit multifamily assets strictly on property cash flow (DSCR = Gross Rent ÷ PITIA) with zero personal tax returns or DTI limits. Select any jurisdiction below to inspect state foreclosure statutes, property tax millage, hazard insurance costs, and county-level underwriting rules on Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State.

Alabama (AL) DSCR Loans

Non-Judicial (Power of Sale)
Avg Tax
0.41%
Median 1–4
$245K
1007 Rent
$1,950
Timeline: 45–65 days days2 Atlas Counties →

Alaska (AK) DSCR Loans

Non-Judicial (Deed of Trust)
Avg Tax
1.19%
Median 1–4
$365K
1007 Rent
$2,650
Timeline: 90–110 days daysView State Matrix →

Arizona (AZ) DSCR Loans

Non-Judicial (Deed of Trust — 91-Day Trustee Sale)
Avg Tax
0.56%
Median 1–4
$445K
1007 Rent
$3,150
Timeline: 95–115 days days5 Atlas Counties →

Arkansas (AR) DSCR Loans

Non-Judicial (Statutory Foreclosure)
Avg Tax
0.62%
Median 1–4
$235K
1007 Rent
$1,850
Timeline: 60–85 days daysView State Matrix →

California (CA) DSCR Loans

Non-Judicial (Deed of Trust — Civil Code §2924)
Avg Tax
0.75%
Median 1–4
$745K
1007 Rent
$4,950
Timeline: 120–135 days days10 Atlas Counties →

Colorado (CO) DSCR Loans

Non-Judicial (Public Trustee System)
Avg Tax
0.51%
Median 1–4
$535K
1007 Rent
$3,650
Timeline: 110–125 days days2 Atlas Counties →

Connecticut (CT) DSCR Loans

Judicial (Strict Foreclosure or Foreclosure by Sale)
Avg Tax
1.96%
Median 1–4
$395K
1007 Rent
$3,100
Timeline: 180–270 days daysView State Matrix →

Delaware (DE) DSCR Loans

Judicial (Scire Facias Sur Mortgage)
Avg Tax
0.57%
Median 1–4
$365K
1007 Rent
$2,650
Timeline: 170–230 days daysView State Matrix →

District of Columbia (DC) DSCR Loans

Non-Judicial / Mediation Hybrid (Deed of Trust)
Avg Tax
0.85%
Median 1–4
$625K
1007 Rent
$4,350
Timeline: 120–180 days daysView State Matrix →

Florida (FL) DSCR Loans

Judicial (Circuit Court Foreclosure Action)
Avg Tax
0.86%
Median 1–4
$435K
1007 Rent
$3,350
Timeline: 180–260 days days10 Atlas Counties →

Georgia (GA) DSCR Loans

Non-Judicial (First Tuesday Power of Sale)
Avg Tax
0.87%
Median 1–4
$355K
1007 Rent
$2,650
Timeline: 35–50 days days5 Atlas Counties →

Hawaii (HI) DSCR Loans

Judicial (Primary) / Non-Judicial Statutory
Avg Tax
0.31%
Median 1–4
$795K
1007 Rent
$5,150
Timeline: 190–280 days daysView State Matrix →

Idaho (ID) DSCR Loans

Non-Judicial (Deed of Trust)
Avg Tax
0.63%
Median 1–4
$445K
1007 Rent
$2,950
Timeline: 120–145 days daysView State Matrix →

Illinois (IL) DSCR Loans

Judicial (Illinois Mortgage Foreclosure Law)
Avg Tax
2.08%
Median 1–4
$315K
1007 Rent
$2,650
Timeline: 210–300 days days4 Atlas Counties →

Indiana (IN) DSCR Loans

Judicial (3-Month Statutory Waiting Period)
Avg Tax
0.81%
Median 1–4
$255K
1007 Rent
$2,050
Timeline: 150–210 days days3 Atlas Counties →

Iowa (IA) DSCR Loans

Judicial (or Non-Judicial Voluntary Commercial)
Avg Tax
1.52%
Median 1–4
$235K
1007 Rent
$1,920
Timeline: 160–220 days daysView State Matrix →

Kansas (KS) DSCR Loans

Judicial (District Court Action)
Avg Tax
1.34%
Median 1–4
$265K
1007 Rent
$2,100
Timeline: 130–180 days daysView State Matrix →

Kentucky (KY) DSCR Loans

Judicial (Master Commissioner Sale)
Avg Tax
0.83%
Median 1–4
$265K
1007 Rent
$2,050
Timeline: 150–210 days daysView State Matrix →

Louisiana (LA) DSCR Loans

Judicial (Executory Process — Confessed Judgment)
Avg Tax
0.56%
Median 1–4
$255K
1007 Rent
$2,100
Timeline: 90–150 days days1 Atlas Counties →

Maine (ME) DSCR Loans

Judicial (or Commercial Corporate Power of Sale)
Avg Tax
1.24%
Median 1–4
$385K
1007 Rent
$2,750
Timeline: 180–260 days daysView State Matrix →

Maryland (MD) DSCR Loans

Quasi-Judicial (Order to Docket / Power of Sale)
Avg Tax
1.05%
Median 1–4
$415K
1007 Rent
$3,050
Timeline: 120–170 days days3 Atlas Counties →

Massachusetts (MA) DSCR Loans

Non-Judicial (Statutory Power of Sale + Land Court)
Avg Tax
1.17%
Median 1–4
$595K
1007 Rent
$4,150
Timeline: 90–140 days daysView State Matrix →

Michigan (MI) DSCR Loans

Non-Judicial (Foreclosure by Advertisement)
Avg Tax
1.38%
Median 1–4
$265K
1007 Rent
$2,150
Timeline: 60–90 days (+ redemption) days3 Atlas Counties →

Minnesota (MN) DSCR Loans

Non-Judicial (Foreclosure by Advertisement)
Avg Tax
1.11%
Median 1–4
$345K
1007 Rent
$2,550
Timeline: 60–90 days (+ 6-mo redemption) days1 Atlas Counties →

Mississippi (MS) DSCR Loans

Non-Judicial (Deed of Trust Power of Sale)
Avg Tax
0.78%
Median 1–4
$225K
1007 Rent
$1,820
Timeline: 45–70 days daysView State Matrix →

Missouri (MO) DSCR Loans

Non-Judicial (Deed of Trust Trustee Sale)
Avg Tax
0.96%
Median 1–4
$265K
1007 Rent
$2,080
Timeline: 45–60 days days1 Atlas Counties →

Montana (MT) DSCR Loans

Non-Judicial (Small Tract Financing Act)
Avg Tax
0.79%
Median 1–4
$465K
1007 Rent
$3,050
Timeline: 120–150 days daysView State Matrix →

Nebraska (NE) DSCR Loans

Non-Judicial (Nebraska Trust Deeds Act)
Avg Tax
1.63%
Median 1–4
$275K
1007 Rent
$2,180
Timeline: 90–120 days daysView State Matrix →

Nevada (NV) DSCR Loans

Non-Judicial (NRS Chapter 107 Deed of Trust)
Avg Tax
0.55%
Median 1–4
$455K
1007 Rent
$3,150
Timeline: 115–135 days days2 Atlas Counties →

New Hampshire (NH) DSCR Loans

Non-Judicial (Statutory Power of Sale)
Avg Tax
1.93%
Median 1–4
$455K
1007 Rent
$3,250
Timeline: 60–85 days daysView State Matrix →

New Jersey (NJ) DSCR Loans

Judicial (Superior Court Chancery Division)
Avg Tax
2.23%
Median 1–4
$495K
1007 Rent
$3,750
Timeline: 210–300 days days3 Atlas Counties →

New Mexico (NM) DSCR Loans

Judicial (or Commercial Deed of Trust Act)
Avg Tax
0.76%
Median 1–4
$325K
1007 Rent
$2,350
Timeline: 160–220 days daysView State Matrix →

New York (NY) DSCR Loans

Judicial (RPAPL Article 13)
Avg Tax
1.64%
Median 1–4
$545K
1007 Rent
$3,950
Timeline: 240–360 days days5 Atlas Counties →

North Carolina (NC) DSCR Loans

Quasi-Judicial (Clerk of Court Hearing + 10-Day Upset Bid)
Avg Tax
0.78%
Median 1–4
$365K
1007 Rent
$2,680
Timeline: 90–120 days days5 Atlas Counties →

North Dakota (ND) DSCR Loans

Judicial (District Court Action)
Avg Tax
0.98%
Median 1–4
$265K
1007 Rent
$1,980
Timeline: 130–180 days daysView State Matrix →

Ohio (OH) DSCR Loans

Judicial (County Court of Common Pleas)
Avg Tax
1.48%
Median 1–4
$255K
1007 Rent
$2,080
Timeline: 160–220 days days5 Atlas Counties →

Oklahoma (OK) DSCR Loans

Judicial or Non-Judicial Power of Sale
Avg Tax
0.88%
Median 1–4
$245K
1007 Rent
$1,980
Timeline: 120–180 days days2 Atlas Counties →

Oregon (OR) DSCR Loans

Non-Judicial (Oregon Trust Deed Act)
Avg Tax
0.91%
Median 1–4
$495K
1007 Rent
$3,350
Timeline: 130–160 days daysView State Matrix →

Pennsylvania (PA) DSCR Loans

Judicial (Action in Mortgage Foreclosure)
Avg Tax
1.49%
Median 1–4
$315K
1007 Rent
$2,480
Timeline: 180–250 days days3 Atlas Counties →

Rhode Island (RI) DSCR Loans

Non-Judicial (Statutory Power of Sale)
Avg Tax
1.4%
Median 1–4
$445K
1007 Rent
$3,250
Timeline: 65–95 days daysView State Matrix →

South Carolina (SC) DSCR Loans

Judicial (Master-in-Equity Referral)
Avg Tax
0.56%
Median 1–4
$355K
1007 Rent
$2,620
Timeline: 150–200 days days3 Atlas Counties →

South Dakota (SD) DSCR Loans

Judicial or Non-Judicial Power of Sale (180-Day Redemption Waiver)
Avg Tax
1.17%
Median 1–4
$295K
1007 Rent
$2,180
Timeline: 90–140 days daysView State Matrix →

Tennessee (TN) DSCR Loans

Non-Judicial (Deed of Trust — 21-Day Publication)
Avg Tax
0.64%
Median 1–4
$365K
1007 Rent
$2,680
Timeline: 40–55 days days4 Atlas Counties →

Texas (TX) DSCR Loans

Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002)
Avg Tax
1.68%
Median 1–4
$365K
1007 Rent
$2,880
Timeline: 35–55 days days10 Atlas Counties →

Utah (UT) DSCR Loans

Non-Judicial (Deed of Trust — 3-Month Notice of Default)
Avg Tax
0.57%
Median 1–4
$515K
1007 Rent
$3,450
Timeline: 120–140 days days1 Atlas Counties →

Vermont (VT) DSCR Loans

Judicial (Strict Foreclosure or Judicial Sale)
Avg Tax
1.83%
Median 1–4
$385K
1007 Rent
$2,850
Timeline: 200–270 days daysView State Matrix →

Virginia (VA) DSCR Loans

Non-Judicial (Deed of Trust Trustee Sale)
Avg Tax
0.8%
Median 1–4
$415K
1007 Rent
$2,980
Timeline: 45–65 days days3 Atlas Counties →

Washington (WA) DSCR Loans

Non-Judicial (Washington Deed of Trust Act — RCW 61.24)
Avg Tax
0.88%
Median 1–4
$565K
1007 Rent
$3,750
Timeline: 125–150 days days3 Atlas Counties →

West Virginia (WV) DSCR Loans

Non-Judicial (Deed of Trust Trustee Sale)
Avg Tax
0.57%
Median 1–4
$225K
1007 Rent
$1,780
Timeline: 55–85 days daysView State Matrix →

Wisconsin (WI) DSCR Loans

Judicial (6-Month Commercial / Non-Owner Redemption)
Avg Tax
1.61%
Median 1–4
$295K
1007 Rent
$2,280
Timeline: 180–240 days days1 Atlas Counties →

Wyoming (WY) DSCR Loans

Non-Judicial (Foreclosure by Advertisement & Sale)
Avg Tax
0.58%
Median 1–4
$345K
1007 Rent
$2,450
Timeline: 60–90 days (+ 3-mo redemption) daysView State Matrix →

Explore Specialized Investor Loan Programs

DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out
Hard Money Loans
Up to 85%–90% LTC / 75% ARV
Private Money Loans
Up to 80% LTV / 85% LTC
Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out
Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV
Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out
Commercial Property
Up to 75% LTV
Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed
Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers)
DSCR Loans by State (2026) — 50-State + DC Underwriting & Rate Matrix | Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State