Can I get a DSCR loan on a New Orleans STR?

Yes, on properties with legal STR licenses. We underwrite license status carefully. STR regulations in New Orleans are strict and buying an illegal STR won't qualify.

How does Louisiana's hurricane insurance affect DSCR qualification?

We underwrite current insurance quotes into DSCR at intake, not stale numbers. That's critical in Louisiana. Premiums have risen sharply and bad underwriting kills deals at closing.

Does Louisiana's civil-law system affect DSCR loans?

It affects some title and foreclosure mechanics but not DSCR qualification. We close in all Louisiana parishes with title partners who specialize in civil-law closings.

What FICO score do I need for a DSCR loan in Louisiana?

660 standard, 500 expanded. LA pricing reflects insurance and foreclosure dynamics but is competitive overall.

Louisiana Real Estate Investors

DSCR Loans in Louisiana

New Orleans STRs with some of the strictest licensing in the US, Baton Rouge student rentals, and a hurricane-insurance reality every investor must price in.

DSCR loans in Louisiana areinvestment property mortgages that qualify on the property's rental income, not the borrower's W-2 or tax returns. Get Brick Capital services DSCR loans throughout Louisiana, including its major investor metros, with FICO floors as low as 660 standard, DSCR floors as low as 0.75 expanded, $50,000 minimum loans, and 28-day average closings.

Major Investor Metros in Louisiana

New Orleans

STR and historic-district rentals with strict licensing, underwrite license status carefully.

Baton Rouge

LSU student rentals and state capital government tenants.

Shreveport

Low entry workforce housing and Section 8 inventory.

Lafayette

Oil-sector rentals with boom-bust demand and affordable entry.

Louisiana Investor Market Overview

Louisiana's DSCR market is defined by two realities: New Orleans's STR licensing regime and the state's hurricane insurance crunch. New Orleans has tightened short-term rental rules repeatedly, with owner-occupancy requirements in some residential zones. Buying a property with a legal, transferable STR license is a specialized play and the license itself carries significant value.

Baton Rouge runs on LSU and state government. Shreveport and Lafayette are cash-flow markets with low entry prices. Louisiana is the only state with a civil-law (Napoleonic) legal system, which affects some contract and foreclosure mechanics but doesn't fundamentally change DSCR qualification. Insurance must be underwritten at current market rates. Hurricane and flood exposure drives premiums higher than investors often pro forma.

Common Property Types

New Orleans licensed STRs and historic-district rentals
Baton Rouge student and government-tenant SFRs
Shreveport cash-flow SFRs
Lafayette oil-sector rentals
Section 8 inventory in Shreveport and New Orleans

Investor Strategies That Work Here

New Orleans licensed STR acquisition and refi
Baton Rouge student housing buy-and-hold
Shreveport BRRRR with no-seasoning refis
Insurance-stress-testing at intake on all coastal parishes

Why DSCR Lending Fits Louisiana

Louisiana DSCR deals live or die on the insurance quote. Generalist brokers underwrite stale premiums and deals blow up at closing. We quote at current market from the start. For New Orleans STR operators, we underwrite license status carefully and will close on licensed properties where most lenders won't due to the regulatory complexity. Louisiana's civil-law quirks don't affect DSCR mechanics but we work with title and counsel who know how to navigate them.

Louisiana DSCR Loan FAQ

DSCR Programs Available in Louisiana

DSCR Refinance Loans

BRRRR, cash-out, rate & term, and delayed purchase.

DSCR Purchase Loans

Long-term and short-term rental purchase financing.

BRRRR Refinance

No seasoning, no lease. Refinance the day rehab is done.

DSCR Calculator

Run your Louisiana property numbers in real time.

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No credit pull. Rates within 24 hours. 28-day average closings.

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