Lending Guide

Best States for DSCR Loans (2026)

The best states for DSCR lending are those with strong rental demand, population growth, and landlord-friendly regulations. Top-performing states include Texas, Florida, Georgia, North Carolina, Tennessee, and Ohio.

Up to $15,000,000
DSCR Loans

Loan amounts up to $15M.

Key loan facts

Loan amount
Up to $15,000,000
Eligible properties
Investor-owned rental properties in qualifying U.S. markets

Eligible Asset Types

  • Investor-owned rental properties in qualifying U.S. markets

Underwriting Guidelines

  • Population growth > 1% annually
  • Rent growth
  • Landlord-friendly laws
  • Strong job creation

Who This Is For

  • Investors targeting rental demand and strong cash flow markets
  • Borrowers comparing state-level DSCR opportunities

Who This Is Not For

  • Rent control markets
  • Declining population markets
  • Low liquidity markets

Frequently Asked Questions

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

MinimumNone
Core maximum$5,000,000
Not eligible: owner-occupied residential. Loans up to $15M.

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Explore Riverside Park Capital

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Commercial real estate and investor property loans: core up to $15,000,000, loan amounts up to $15M.

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.