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DSCR Rental Loans · Arizona

DSCR rental loans in Arizona — qualify on the rent.

Mortava DSCR loans in Arizona: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Arizona is a top Sun Belt growth market where Phoenix population gains keep both rents and flip demand high. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Phoenix, Tucson, Mesa and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Arizona term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Arizona rentals with Mortava

DSCR loans let Arizona investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Phoenix, Tucson, Mesa, Scottsdale.

Phoenix keeps adding residents faster than housing, and Scottsdale supports established short-term-rental demand. That combination lets Arizona investors choose between long-term holds and STR plays inside the same portfolio.

Top metros we lend in
Phoenix, Tucson, Mesa, Scottsdale
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in Arizona

Phoenix-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in Arizona, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

Arizona DSCR loan FAQ

Can I get a DSCR loan in Arizona?
Yes. Mortava lends on investment properties across Arizona, including Phoenix, Tucson, Mesa, Scottsdale. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Arizona without W-2s or DTI.
What credit score do I need for a Arizona DSCR loan?
Most Arizona DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Arizona DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Arizona.
Can I use a DSCR loan for an Airbnb or short-term rental in Arizona?
Yes. Mortava's STR DSCR program qualifies Arizona short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Phoenix, so confirm licensing before you buy.
Do you lend on rentals in Phoenix and Tucson?
Yes — Mortava lends across Phoenix, Tucson, Mesa, Scottsdale and every other Arizona market. DSCR loans are sized on each property's rent, so a Phoenix duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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All DSCR programs → Fix & Flip loans in Arizona → Instant quote & pre-qualify →
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