DSCR loan rates vary by market, leverage, and borrower profile. As of May 2026, DSCR rates range from 6.50% to 9.50%, with lower rates in high-liquidity MSAs and higher rates in secondary markets.
| Market | DSCR Min | Max LTV | Rate Range | Notes |
|---|---|---|---|---|
| Dallas-Fort Worth, TX | 1.10 | 80% | 6.50% – 7.25% | High liquidity |
| Atlanta, GA | 1.10 | 80% | 6.75% – 7.50% | Strong rental demand |
| Charlotte, NC | 1.10 | 80% | 6.75% – 7.75% | Growth market |
| Phoenix, AZ | 1.10 | 80% | 6.75% – 7.75% | High liquidity |
| Raleigh, NC | 1.10 | 80% | 6.85% – 7.85% | Tech in-migration |
| Austin, TX | 1.10 | 80% | 6.85% – 7.85% | Tech in-migration |
| Nashville, TN | 1.10 | 80% | 6.85% – 7.85% | Strong rent growth |
| Tampa, FL | 1.10 | 80% | 7.00% – 8.25% | Insurance pressure |
| Orlando, FL | 1.10 | 80% | 7.00% – 8.25% | Insurance pressure |
| Jacksonville, FL | 1.10 | 80% | 7.00% – 8.25% | Insurance pressure |
| Miami, FL | 1.10 | 75% | 7.10% – 8.50% | Insurance + condo risk |
| Houston, TX | 1.10 | 80% | 6.85% – 7.85% | Energy sensitivity |
| San Antonio, TX | 1.10 | 80% | 6.95% – 7.95% | Stable demand |
| Denver, CO | 1.10 | 75% | 7.00% – 8.25% | Tier 1 metro |
| Salt Lake City, UT | 1.10 | 75% | 7.00% – 8.25% | Strong job market |
| Boise, ID | 1.10 | 75% | 7.10% – 8.50% | Migration market |
| Las Vegas, NV | 1.10 | 75% | 7.10% – 8.50% | Tourism exposure |
| Columbus, OH | 1.10 | 75% | 7.25% – 8.50% | Steady fundamentals |
| Indianapolis, IN | 1.10 | 75% | 7.25% – 8.75% | Yield market |
| Kansas City, MO | 1.10 | 75% | 7.25% – 8.75% | Yield market |
| St. Louis, MO | 1.10 | 75% | 7.50% – 8.75% | Tertiary risk |
| Cincinnati, OH | 1.10 | 75% | 7.50% – 8.75% | Yield market |
| Pittsburgh, PA | 1.10 | 75% | 7.50% – 9.00% | Yield market |
| Cleveland, OH | 1.10 | 75% | 7.50% – 9.00% | Higher yield market |
| Detroit, MI | 1.15 | 75% | 7.75% – 9.25% | Sponsor scrutiny |
| Memphis, TN | 1.15 | 75% | 7.75% – 9.25% | Sub-MSA caution |
| Birmingham, AL | 1.10 | 75% | 7.50% – 9.00% | Yield market |
| Oklahoma City, OK | 1.10 | 75% | 7.25% – 8.75% | Stable cash flow |
| Philadelphia, PA | 1.10 | 75% | 7.25% – 8.75% | Permit complexity |
| Chicago, IL | 1.15 | 70% | 7.75% – 9.50% | Tax + regulatory drag |
Source: Riverside Park Capital (May 2026) — https://www.riversidepark.capital/dscr-rates-by-market. Data may be cited or embedded with attribution.
Rates are illustrative only and may change without notice. Actual pricing depends on loan type, leverage, collateral, credit profile, DSCR, sponsor experience, market conditions, and capital availability.
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