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Arizona DSCR Loans — Qualify on Rental Income, Not Your Paycheck
- Rates starting at 6% Range*
- Qualification based on property cash flow — not personal income*
- Closings in as little as 5–10 business days*
- 30-Year fixed options — LTV up to 80%
- SFR, STR / Airbnb, Multifamily & Portfolio — all Arizona markets
- Cash-out refinance available — All Credit Scores Welcomed
Get a Free Arizona DSCR Quote
View DSCR Programs
6%Starting Rate*
48hrAverage Approval
5–10Day Closings*
Get a Free Arizona DSCR Quote
Fill out the info below and see your rate in minutes. No hard credit pull.
NMLS# 2421810 · No impact on your credit score for initial quotes
The Arizona DSCR Loan Specialists
We understand Arizona’s booming rental market — from Phoenix’s explosive population growth to Scottsdale’s luxury vacation rentals, Tucson’s university-driven demand, and Sedona’s thriving short-term rental scene.
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No Income Docs Required
Forget tax returns, W-2s, and pay stubs. Your Arizona rental property’s income does the qualifying — not yours.* Ideal for remote workers, self-employed investors, and high-net-worth individuals relocating to Arizona.
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Lightning Fast Closings
Close your Arizona rental property in as little as 5–10 business days.* Speed matters in competitive markets like Phoenix, Scottsdale, and Tempe where deals move fast.
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STR & Airbnb Welcome
We accept short-term rental income from Airbnb and VRBO for DSCR qualification in markets like Sedona, Scottsdale, Flagstaff, and all of Arizona’s booming vacation rental destinations.
Understand & Calculate Your Arizona DSCR Ratio
The Debt Service Coverage Ratio is the single most important number in rental property lending.
The DSCR Formula
Gross Monthly Rent
÷
Monthly PITI
=
DSCR Ratio
PITI = Principal + Interest + Property Taxes + Insurance. A higher DSCR means more cushion — and better rates.
What Your DSCR Score Means
1.25 and above — ExcellentStrong cash flow. Qualifies for lowest rates & highest LTVs.
1.10 – 1.24 — GoodSolid qualification range. Eligible for up to 80% LTV at competitive rates.
1.00 – 1.09 — Minimum ThresholdBreakeven coverage. Most Arizona lenders approve at 1.0+.
Below 1.00 — Below ThresholdContact our Arizona team — we have options including interest-only products.
Arizona DSCR Calculator
Enter your property details below — get your ratio instantly.
Use current lease amount or market rent comp
Purchase price minus your down payment
Arizona DSCR rates start at 6.49%* — use 6.49 as a baseline
Leave taxes/insurance blank — we’ll calculate P&I only
Your Arizona DSCR Results
—Your DSCR Ratio
Monthly P&I Payment—
Monthly Taxes + Insurance—
Total Monthly PITI—
Monthly Cash Flow (est.)—
Ready? Call 866-621-7726 or get your official Arizona DSCR quote →
Why Arizona Investors Love DSCR Loans
DSCR loans remove the biggest roadblocks traditional financing puts in front of real estate investors.
🏠Qualify Based on Rental IncomeYour Arizona property’s rent covers the mortgage? You qualify. Your personal income is never part of the equation.*
📈Scale Your Portfolio FasterNo DTI limits holding you back. Purchase your next Arizona rental without existing properties counting against your debt load.
💵Cash-Out Refinance AvailablePull equity from your existing Arizona rentals to fund new acquisitions — without income documentation or lengthy delays.
🌵Short-Term Rental WelcomeOwn Airbnb or VRBO properties in Sedona, Scottsdale, or Flagstaff? We qualify STR income for strong DSCR ratios.
🔄30-Year Fixed StabilityLock in predictable, long-term financing on your Arizona rental portfolio with a 30-year fixed rate.
🛡️No Prepayment SurprisesTransparent terms. Flexible prepayment options. When we issue a term sheet on your Arizona DSCR loan, you can count on it closing.
Our Arizona DSCR Programs
Tailored DSCR financing for every Arizona investment property strategy.
Most PopularDSCR Single-Family Rental
- Rates from 6%*
- Up to 80% LTV on Purchase
- 30-Year Fixed Rate
- No Income or W-2 Required*
- All Credit Scores Welcome
Get SFR Quote →
High DemandDSCR Short-Term Rental (STR)
- Airbnb & VRBO Income Accepted
- Qualify on STR Revenue
- Up to 75% LTV
- Sedona, Scottsdale, Flagstaff & More
- Rates from 6% range*
Get STR Quote →
2–4 UnitsSmall Multifamily DSCR
- Duplex, Triplex, Fourplex
- Combined Rental Income Qualifies
- Up to 75% LTV
- Phoenix, Tucson & Mesa Markets
- Fast 5–10 Business Day Close*
Get Multifamily Quote →
Portfolio GrowthDSCR Portfolio Loans
- Bundle 2–10+ Arizona Properties
- Single Loan, One Monthly Payment
- Streamlined Underwriting
- Blanket Mortgage Available
- Loan Amounts from $150K–$10M+
Our 4-Step Arizona DSCR Process
From application to funded in as little as 5–10 business days.* No income verification. No unnecessary delays.
1Apply Online
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes.
2DSCR Review
We analyze the Arizona property’s rental income vs. the mortgage payment. A DSCR of 1.0+ typically qualifies — term sheet within 24 hours.
3Title & Appraisal
We coordinate with local Arizona title companies and order a fast-track appraisal for a seamless closing.
4Get Funded
Funds wired directly to escrow. Most Arizona DSCR investors close in 5–10 business days* — sometimes faster.
Arizona DSCR Rates & Terms
No hidden fees. No bait and switch. Rates and terms subject to underwriting approval.*
| Arizona DSCR Program | Starting Rate | Max LTV | Term | Min Loan |
|---|---|---|---|---|
| DSCR Single-Family | From 6%* | 80% LTV | 30 Years Fixed | $100,000 |
| DSCR Short-Term Rental (STR) | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR 2–4 Units | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR Cash-Out Refinance | From 6%* | 75% LTV | 30 Years Fixed | $100,000 |
| DSCR Portfolio (5+ Properties) | From 6%* | 70% LTV | 5/1 ARM or 30yr | $500,000 |
Arizona Markets We Serve
We fund DSCR loans across all of Arizona — from the Greater Phoenix metro to Southern Arizona and everywhere in between.
PhoenixSFR & Multifamily Rentals
ScottsdaleLuxury & STR Rentals
TucsonUniversity-driven demand
MesaHigh-growth rental corridor
SedonaAirbnb & vacation rentals
FlagstaffMountain STR market
Chandler / GilbertEast Valley rental market
All of ArizonaStatewide DSCR lending
What Arizona Investors Say
★★★★★
“Closed my Phoenix rental property in 7 days. As a self-employed contractor, traditional lenders kept declining me. DSCR qualification based on rental income was exactly what I needed to scale.”
JJames K.DSCR SFR · Phoenix, AZ
★★★★★
“I own Airbnb properties in Sedona. American Prime Rate accepted my STR income for DSCR qualification — closed in under 10 days. No other lender in Arizona came close to this process.”
RRachel M.DSCR STR · Sedona, AZ
★★★★★
“Refinanced my Scottsdale duplex with a DSCR cash-out loan in 9 days. Competitive rate, seamless process, and the team knew the Arizona market inside and out. Highly recommend.”
TTom B.DSCR Cash-Out Refi · Scottsdale, AZ
Arizona DSCR Loan FAQs
Everything you need to know about DSCR loans in Arizona.
A DSCR loan in Arizona qualifies borrowers based on a rental property’s income rather than personal income. We calculate DSCR by dividing gross monthly rent by the total monthly mortgage payment. A ratio of 1.0 or higher typically qualifies. Ideal for self-employed investors, remote workers, or those with complex income structures investing in Arizona real estate.
Arizona DSCR loan rates start at 6.49%* for well-qualified borrowers on single-family rentals with 30-year fixed terms. STR and multifamily rates start at 6.99%*. Your actual rate depends on LTV, FICO score, DSCR ratio, and property type. Contact us for a personalized quote — no hard credit pull required.
Yes. We accept short-term rental income from Airbnb and VRBO for DSCR qualification in Arizona. We typically use a trailing 12-month average or a market STR income appraisal. Ideal for vacation rental investors in Sedona, Scottsdale, Flagstaff, and other Arizona destinations.
No. Arizona DSCR loans require no personal income verification, no tax returns, and no W-2s.* Qualification is based entirely on the rental property’s income potential using the current lease or a market rent analysis.
Our Arizona DSCR programs welcome all credit scores. A higher FICO score (680+) may help you qualify for our most competitive rates and LTV options. We do not pull your credit for an initial quote — your FICO range helps us provide the most accurate rate estimate upfront.
We provide DSCR loans across all of Arizona including Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, Tucson, Flagstaff, Sedona, Peoria, Surprise, Glendale, Yuma, Prescott, Lake Havasu City, and all surrounding areas statewide.
Most Arizona DSCR loans close in 5–10 business days.* Our process starts with a quick online application, followed by a term sheet within 24 hours. We coordinate directly with local Arizona title companies to ensure a fast, smooth closing. *Timelines subject to appraisal, title, and underwriting conditions.
Yes. Arizona DSCR cash-out refinances are available up to 75% LTV. Access your property equity to fund new acquisitions, renovations, or other investments — all without personal income verification. All FICO scores are welcomed.
Talk to an Arizona DSCR Loan Expert
Fill out the short form and our Arizona DSCR team will respond within 2 business hours. No hard credit pull. No obligation. Rates starting at 6.49%.*
📧Email Usinfo@americanprimerate.com
📞Call Us866-621-7726
📍We Lend InAll of Arizona & Nationwide
Free Arizona DSCR Quote — No Obligation
Get Your Arizona DSCR Rate
Our Arizona team responds within 2 business hours
NMLS# 2421810 · No impact on credit score · No obligation
What Are DSCR Loans in Arizona?
DSCR loans in Arizona are investment property mortgages that qualify borrowers based on the rental income a property generates — not personal income, tax returns, or W-2s. Arizona’s explosive population growth, strong landlord-friendly laws, and robust rental demand make it one of the top states for DSCR lending. A DSCR of 1.0 or above means the property pays for itself — and that’s typically all you need to qualify.
How Arizona DSCR Loans Work
Arizona DSCR lenders evaluate deals based on the property’s LTV, current lease agreements or market rent comparables, and the borrower’s FICO score. No income documentation, no DTI calculation, no employment verification. With Arizona’s median rents rising year over year in cities like Phoenix, Scottsdale, and Tucson, more investors are qualifying for DSCR loans than ever before. Funds can be deployed in as little as 5–10 business days.*
DSCR vs Traditional Loans in Arizona
Traditional Arizona mortgages require W-2s, tax returns, and strict DTI limits. DSCR loans bypass all of this, qualifying solely on the Arizona property’s rental income potential — the preferred financing tool for Arizona’s fastest-growing real estate investors. Whether you’re building a portfolio in the East Valley, investing in Sedona vacation rentals, or acquiring multifamily in Tucson, DSCR is the tool that scales with you.
Important Disclosures — NMLS# 2421810
*All rates, timelines, and program details are subject to underwriting approval and program guidelines. Single-family DSCR rates advertised start at 6.49%; STR and multifamily rates start at 6.99%; portfolio rates start at 7.24%. Rates are not guaranteed; actual rate offered will be determined at time of application. Closing timelines of 5–10 business days are estimates and may vary depending on appraisal, title, and underwriting conditions. Not a commitment to lend. Not all applicants will qualify. American Prime Rate is an equal opportunity lender. NMLS Consumer Access: nmlsconsumeraccess.org