DSCR Loans in Phoenix, AZ
Find lenders offering dscr loans in the Phoenix, including Scottsdale, Tempe, Mesa, and surrounding areas. Compare rates, terms, and programs from 43 lenders.
Which DSCR lenders serve Phoenix?
43 lenders offering dscr loans in the Phoenix, AZ area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
What does the Phoenix commercial real estate market look like?
Phoenix is one of the nation's fastest-growing major metros and has become a top-tier market for industrial, multifamily, and data center investment. The Camelback Corridor and Scottsdale Airpark are the premier office submarkets, while the West Valley around Goodyear, Buckeye, and Surprise has seen explosive industrial and logistics development along the I-10 freeway. TSMC's semiconductor fabrication campus in north Phoenix and Intel's Chandler campus have positioned the metro as a domestic chipmaking hub, generating demand for supplier facilities and workforce housing. The Tempe Town Lake area and downtown Phoenix around Roosevelt Row continue to densify with mixed-use projects targeting the region's growing tech and creative workforce.
Key Economic Drivers
- ●TSMC semiconductor fabrication facility in north Phoenix (over $40 billion investment)
- ●Intel's Ocotillo campus in Chandler and related semiconductor supply chain
- ●Phoenix Sky Harbor International Airport logistics and distribution hub
- ●Banner Health, Mayo Clinic Arizona, and expanding healthcare systems
Market Insight
Arizona imposes a Transaction Privilege Tax on commercial lease income, functioning as a gross receipts tax on rental revenue that landlords must build into their underwriting, with combined state and city rates in Phoenix reaching approximately 2.3%.
How do dscr loans work in Phoenix, Arizona?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Phoenix metro area, borrowers can access 43 lenders offering DSCR financing, including Scottsdale, Tempe, Mesa, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Phoenix FAQ
How many DSCR lenders serve Phoenix, AZ? ▼
What are DSCR loan rates in Phoenix? ▼
What is a good DSCR ratio? ▼
Can I get a DSCR loan with no money down? ▼
Do DSCR loans show on my credit report? ▼
Can I use a DSCR loan for a short-term rental? ▼
Where else can I find dscr loans in Arizona?
Find DSCR Lenders in Phoenix
Get matched with lenders offering dscr loans in the Phoenix, AZ area. Free for borrowers.
Get Matched — Free →