Are DSCR loans available in Arizona?

Yes. Metro Phoenix is one of the fastest-growing investor markets in the country and nearly every national DSCR lender operates in Arizona. The state has no rent control and is landlord-friendly, which supports the ratio.

How do HOA dues affect an Arizona DSCR loan?

Many Arizona homes and condos carry HOA dues, and those dues are part of the full monthly payment used in your DSCR. A high HOA can quietly drop your ratio the same way taxes or insurance do, so include the real dues in your math before you assume the deal works.

Lender guide

Best DSCR Lenders in Arizona (2026)

Arizona, led by metro Phoenix, is a fast-growing, landlord-friendly market with no rent control. The local wrinkles are HOA dues that sit inside your payment and a strong short-term rental scene. Here is how to choose.

By Owen Brandt, Research Editor. Updated June 13, 2026.

Most "best DSCR lender in Arizona" lists are written by a lender or an affiliate paid to rank one. We do the opposite: we show you how to judge a lender for an Arizona deal so the answer holds up no matter who is paying whom. Where we link to a lender, we say so. See our disclosure.

What makes Arizona work, and what to watch

Metro Phoenix offers strong population and job growth, no rent control, and landlord-friendly law, which supports rents and the ratio. Two local factors to manage:

HOA dues. Many Arizona homes and condos carry HOA dues, and those dues sit inside the payment your DSCR is measured against. A high HOA can push your ratio under the minimum, so use the real dues, not a guess.
Short-term rentals. Scottsdale and parts of Phoenix have strong short-term rental demand. If that is your plan, use a lender that underwrites short-term income and confirm local rules.

The five things that separate lenders for an Arizona deal

HOA handling. They will include HOA dues in the payment, so a high-dues property needs more rent to clear.
Short-term income. For Scottsdale Airbnb deals, will they underwrite short-term rent?
Pricing for your tier. Compare a quote for your actual credit and ratio.
Leverage. Maximum loan-to-value on purchase and cash-out refinance.
Prepayment structure. Ask for the exact step-down.

Established lenders to research

These national investor lenders operate in Arizona. We list them as starting points to research, not endorsements, and you should confirm current terms directly.

Compare current Arizona options. Confirm terms on each lender's site. Some links may be affiliate links; see our disclosure.

Kiavi New Silver Visio Lending

Before you apply in Arizona

Get the real HOA dues and fold them into your payment, then check your standing with the pre-qualifier and read the local factors on the Arizona investor loans page. Run the numbers on the DSCR calculator.