Coverage
DSCR loans, nationwide.
Direct DSCR lender originating in 45 states. Select your state below for DSCR program details, typical closing timelines, and market context specific to your deal. Reference pages are maintained for a small number of states where we're not currently active.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Top Investor Markets
Where we see the most investor deals.
These twelve states make up the majority of our DSCR loan volume. Each has specific DSCR program details, typical closing timelines, and market-specific context on the state page. Click any market for details.
Florida
Strong STR demand, rapid population growth, no state income tax. Active markets include Tampa, Orlando, Jacksonville, Miami, and Fort Lauderdale.
See state details →Texas
Expansion markets across Austin, Houston, Dallas, San Antonio, and Fort Worth. Landlord-friendly regulations and strong rental demand.
See state details →Arizona
Phoenix and Tucson lead a sun-belt migration story with consistent rent growth and diversifying economy.
See state details →Georgia
Atlanta dominates but secondary markets like Savannah and Macon offer better cap rates. Strong multifamily activity.
See state details →North Carolina
Charlotte and Raleigh-Durham anchor one of the strongest job-growth regions in the country.
See state details →Tennessee
Nashville and Memphis both active. No state income tax and landlord-favorable statutes.
See state details →South Carolina
Charleston, Greenville, and Columbia. Retiree migration supports steady rental demand.
See state details →California
High-value coastal markets and Central Valley investor opportunities. Specialty-program demand from foreign nationals and LLC vesting common.
See state details →New York
Upstate markets (Buffalo, Rochester, Syracuse) produce strong cash flow; NYC and surrounds for appreciation plays.
See state details →New Jersey
Our home state. Dense investor market with strong rental demand, especially in transit-accessible suburbs.
See state details →Michigan
Detroit and Grand Rapids remain cash-flow-positive markets with low entry prices relative to rent.
See state details →Utah
Salt Lake City and Provo markets with population growth and a strong employer base.
See state details →Where We Don't Currently Lend
States not currently part of our active lending footprint.
Quicker Home Loans does not currently originate investment property loans in these five states:
We maintain informational reference pages for these states for context, but cannot fund investment property loans in these markets at this time. If you have a scenario in one of these states and want to discuss alternatives, contact us.
All states
DSCR loans by state.
Complete list of all 50 states. Active lending footprint covers 45; the 5 called out above are informational-only.
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