DSCR Loans for Arizona Real Estate Investors

Arizona is a top pick for real estate investors. DSCR loans make it even easier to grow your portfolio—without W-2s or tax returns.

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. These loans qualify you based on rental income, not personal income.

If the property pays for itself, you’re in.

No employment check. No income docs. No hassle.

Why DSCR Loans Work in Arizona

• Airbnb-Friendly Cities
  Phoenix, Scottsdale, Sedona—all hot for short-term rentals.

• Strong Population Growth
  More renters = more demand.

• Low Inventory, High Rents
  Landlords win in this market.

• Ideal for Out-of-State Buyers
  Lots of Californians are moving in—and investors are too.

DSCR Loan Requirements in Arizona

• Minimum DSCR: 1.0–1.25

• Credit Score: 620+

• Down Payment: 20% or more

• Eligible Properties: SFRs, 2–4 unit, condos, STRs

• Loan Size: $100K–$2M+

DSCR mortgage for Airbnb and short-term rentals in Arizona

This is key for investors targeting Sedona cabins or Scottsdale condos.

Here’s how to qualify:

1. Get an appraisal with short-term rental income projections

2. Ensure your rental covers the monthly payment

3. Meet minimum credit and down payment standards

That’s it—no job history required.

Where to Invest in Arizona With DSCR Loans

• Phoenix – Fastest-growing rental market

• Scottsdale – High-dollar Airbnbs

• Tucson – College town with strong rent demand

• Sedona – Vacation rental hot spot

DSCR loans are the ideal fit for these investment zones.