DSCR Financing in AZ

DSCR Loans in Arizona

Phoenix-metro SFR, Scottsdale luxury STR, and Flagstaff mountain vacation rentals. Arizona is one of the three biggest DSCR markets in the country.

Local Market Context

Investor Markets in Arizona

Phoenix

One of the largest DSCR markets in the country, mix of SFR rentals, BRRRR inventory, and STR in Scottsdale.

Tucson

Affordable entry prices, university rentals, and steady cash flow south of Phoenix.

Scottsdale

Luxury STR and vacation rental market with strong AirDNA comps.

Mesa

Class B suburban SFR and build-to-rent communities with strong tenant demand.

Flagstaff

Mountain STR and university rentals with year-round occupancy.

Common Properties

What Investors Finance in Arizona

✓Phoenix-metro SFR long-term rentals
✓Scottsdale and Paradise Valley luxury STRs
✓Flagstaff mountain vacation rentals
✓Tucson cash-flow SFRs and duplexes
✓Build-to-rent SFR in Mesa, Gilbert, and Queen Creek
✓BRRRR rehabs in older Phoenix neighborhoods

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Arizona

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in Arizona is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Arizona DSCR FAQ

Does Get Brick Capital offer DSCR loans in Arizona?

Yes. Arizona is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Arizona?

Yes. Program 7 can be available in Arizona for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Arizona DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

Get a Quote →