# Live DSCR Rates by Market (Updated Monthly)

> Live DSCR loan rates by U.S. market, updated monthly. Includes DSCR minimums, max LTV, rate ranges, and notes for 30 top MSAs.

Canonical: https://riversidepark.capital/dscr-rates-by-market
Markdown: https://riversidepark.capital/dscr-rates-by-market.md

## Quick answer

DSCR loan rates vary by market, leverage, and borrower profile. As of August 2026, DSCR rates range from 6.50% to 9.50%, with lower rates in high-liquidity MSAs and higher rates in secondary markets.

## Loan parameters

- Loan size: $500,000 – $10,000,000
- Loan type: DSCR Loans

## Eligible assets

- Non-owner-occupied 1–4 unit residential investment properties

## Underwriting guidelines

- Minimum DSCR: 1.10
- Maximum LTV: 75% – 80% (market-dependent)
- Credit Score: 660+ (720+ for best pricing)
- Loan size: $500,000 – $10,000,000

## DSCR Rates by Market — August 2026 (as of August 2026)

| 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 |

- Pricing is indicative and not a commitment to lend.
- Best pricing typically requires 720+ FICO, ≤ 70% LTV, and DSCR ≥ 1.25.

- Range: 6.50% – 9.50%
- DSCR floor: 1.10
- Updated monthly

## FAQs

**Q: Why do DSCR rates vary by market?**

Lender appetite, debt liquidity, insurance costs, and population/rent growth all affect indicative pricing.

**Q: How often is this updated?**

Monthly. The URL is stable so prior citations remain valid.

**Q: Are these rates a commitment?**

No. They are indicative ranges based on recent quote and close activity.

## Related

- [DSCR Rate Sheet](https://riversidepark.capital/dscr-rate-sheet)
- [Loan Approval Matrix](https://riversidepark.capital/loan-approval-matrix)
- [Top 200 MSAs for CRE Lending](https://riversidepark.capital/top-200-msas-cre-lending)
- [Submit a Loan Request](https://riversidepark.capital/apply)

---
Source: Riverside Park Capital — https://riversidepark.capital/dscr-rates-by-market