Arizona DSCR Loan Lenders for Rental Property
Are you seeking long-term private financing for a residential rental property in Arizona? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Arizona’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Diya Finance
Bridge and Rental Loans Made Easy
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Griffin Funding
Private Money Lender - Get the financing you need
Center Street Lending
Smarter Loans for Residential Investors
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Arizona DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Arizona DSCR long-term rental loans in the 1st quarter of 2025 was 7.49%. The average loan amount was $332,318. These stats are the average of 94 loans funded for residential rental properties in Arizona between , and , by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Top 10 Arizona DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Arizona, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Arizona from January 2024 to December 2024.
- American Heritage Lending funded over $32,610,000
- LendingOne funded over $20,330,000
- Renovo Financial funded over $12,200,000
- Visio Lending funded over $11,040,000
- CV3 Financial Services funded over $9,200,000
- Readycap Lending funded over$7,520,000
- Optionwide Financial funded over $6,070,000
- ROC Capital funded over $5,580,000
- RCN Capital funded over $4,080,000
- Easy Street Capital funded over$3,460,000
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate and may not be 100% accurate. Most of these DSCR loans have a 30-year term.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Arizona DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Arizona which were funded from January 2024 to December 2024.
- Approximately $50,208,858 of private money loans were funded in the 4th quarter of 2024 for 83 borrowers.
- Approximately $28,633,424 of private money loans were funded in the 3rd quarter of 2024 for 68 borrowers.
- Approximately $31,666,747 of private money loans were funded in the 2nd quarter of 2024 for 61 borrowers.
- Approximately $42,648,138 of private money loans were funded in the 1st quarter of 2024 for 59 borrowers.
Below are the approximate DSCR loan volume amounts for Arizona’s metropolitan areas:
Phoenix-Mesa-Chandler, AZ
- 2024 Q4: $35,981,736 for 61 borrowers
- 2024 Q3: $21,298,798 for 49 borrowers
- 2024 Q2: $26,495,122 for 47 borrowers
- 2024 Q1: $33,706,509 for 43 borrowers
Tucson, AZ
- 2024 Q4: $8,950,283 for 12 borrowers
- 2024 Q3: $3,720,476 for 11 borrowers
- 2024 Q2: $1,813,750 for 5 borrowers
- 2024 Q1: $6,093,787 for 10 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
