DSCR Loan State Availability
Current business-purpose DSCR availability is shown from the approved state matrix version 2026.07.31-v2.2.0. Availability can depend on property state, vesting, borrower, program, and underwriting.
4
Licensed states
37
Business-purpose eligible
2
LLC-only eligible
8
Not currently available
How to use this directory
This is a qualification guide, not a guarantee or commitment to lend. Florida, Montana, and Virginia have entity-specific treatment in the approved matrix. California and Idaho require final licensed-state compliance review. The online funnel rechecks state and vesting before a lead can be sent.
Current state-by-state DSCR matrix
Alabama AL
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Alaska AK
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Arizona AZ
Not Currently Available
Not currently available under the supplied matrix
Arkansas AR
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
California CA
Licensed State
Licensed state — final DSCR structure subject to compliance review
Colorado CO
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Connecticut CT
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Delaware DE
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
District of Columbia DC
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Georgia GA
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Hawaii HI
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Idaho ID
Licensed State
Licensed state — final DSCR structure subject to compliance review
Illinois IL
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Indiana IN
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Iowa IA
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Kansas KS
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Kentucky KY
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Louisiana LA
Licensed State
Natural person + LLC eligible under the current business-purpose matrix
Maine ME
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Maryland MD
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Massachusetts MA
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Michigan MI
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Minnesota MN
Not Currently Available
Not currently available under the supplied matrix
Mississippi MS
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Missouri MO
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Nebraska NE
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Nevada NV
Not Currently Available
Not currently available under the supplied matrix
New Hampshire NH
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
New Jersey NJ
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
New Mexico NM
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
New York NY
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
North Carolina NC
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
North Dakota ND
Not Currently Available
Not currently available under the supplied matrix
Ohio OH
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Oklahoma OK
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Oregon OR
Not Currently Available
Not currently available under the supplied matrix
Pennsylvania PA
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Rhode Island RI
Not Currently Available
Not currently available under the supplied matrix
South Carolina SC
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
South Dakota SD
Not Currently Available
Not currently available under the supplied matrix
Tennessee TN
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Texas TX
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Utah UT
Not Currently Available
Not currently available under the supplied matrix
Vermont VT
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Washington WA
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
West Virginia WV
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Wisconsin WI
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Wyoming WY
Business-Purpose Eligible
Natural person + LLC eligible under the current business-purpose matrix
Important: DSCR inquiries are for eligible non-owner-occupied investment properties and business purposes only. State availability, entity/vesting requirements, credit, leverage, property eligibility, and all terms remain subject to current compliance review and underwriting approval. This page does not constitute a commitment to lend.
Business-Purpose Investment Financing
This DSCR website presents financing intended for eligible non-owner-occupied investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable loan program. Loan proceeds may not be used for personal, family, or household purposes.
- Non-owner-occupied investment property
- Business-purpose loan proceeds only
- Subject to underwriting and state restrictions
Program availability, occupancy requirements, loan terms, and eligibility are subject to underwriting guidelines, property review, credit approval, state restrictions, and lender approval.