2025 DSCR Loan Rates by State + Minimum DSCR Requirements
Quick Summary: A DSCR loan (Debt-Service Coverage Ratio) allows investors to qualify for mortgages based solely on rental income — not personal income. Check 2025 interest rates by state and download the Excel sheet to pre-qualify.
📊 DSCR Loan Rate Chart (Top 7 States)
| State | Interest Rate (%) | Min DSCR |
|---|---|---|
| CA | 7.25 | 1.25 |
| TX | 7.05 | 1.15 |
| FL | 7.10 | 1.20 |
| WA | 7.15 | 1.25 |
| NY | 7.30 | 1.20 |
| NC | 7.05 | 1.15 |
| AZ | 7.20 | 1.20 |
📥 Download: DSCR Approval Sheet (.xlsx)
📥 DSCR Loan Rate & Qualification Sheet (.xlsx)✅ What Is DSCR & Why It Matters
- DSCR (Debt-Service Coverage Ratio) = Net Operating Income / Debt Payment
- Most lenders require DSCR ≥ 1.25, though some allow down to 1.15
- No W-2 or personal income proof is needed — just your rental income and lease!
📌 Tips to Get Approved
- Prepare a rent roll & 12-month lease agreement
- Use a DSCR calculator to estimate your NOI and coverage ratio
- Get pre-qualified with 2–3 lenders — terms can vary widely!
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Disclaimer: Mortgage rates vary by lender and market. Please consult a licensed DSCR lender before applying.
