Investor Loan Compass

By state

Investor and DSCR Loans by State

Loan terms are national, but property taxes and insurance vary by state and move your DSCR. Find your market below.

By Owen Brandt, Research Editor. Updated June 11, 2026.

Investor loan rates and rules are set by national lenders, so the survey ranges apply everywhere. What changes by state is the property tax and insurance that feed your full payment, and therefore your DSCR. These guides cover all fifty states.

Run any property’s numbers on the calculator with the real local taxes and insurance, then confirm your profile with the pre-qualifier.