DSCR loans in Arizona
Arizona DSCR loans for investors who hate tax return underwriting.
Phoenix metro and Tucson have absorbed a wave of investor capital. Long term rentals still pencil with the right entry point.
All loans subject to credit and underwriting approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice. This page is for general education and is not an offer to lend or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage loan originator with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
No tax returns
Qualify on the property's rent. W2, 1099, business owner, retired, all welcome.
20 to 25 percent down
Standard DSCR structure. Single family, two to four unit, condo, and short term rental friendly.
Close in an LLC
Title in a single member LLC is normal. Asset protection without the hoops.
Why Arizona works for DSCR
Property taxes are mild. HOA fees in master planned communities are normal. Watch for short term rental restrictions in Scottsdale and Sedona.
What the math usually looks like
Most Phoenix submarkets pencil at 1.1 to 1.25 long term with 25 percent down.
Arizona markets I close in
Phoenix, Mesa, Glendale, Tucson, Chandler, Gilbert.
Run your own numbers
Use the DSCR calculator to see if a deal pencils before you write the offer. Then book a call and we'll structure it.
Quick checklist
- No tax returns or W2s
- Qualify on rent (DSCR ratio)
- 20 to 25 percent down
- Single family, 2 to 4 unit, condo
- Short term and long term rentals
- Close in an LLC
Keep exploring
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.