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DSCR Rental Loans · Louisiana

DSCR rental loans in Louisiana — qualify on the rent.

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

Louisiana is high-yield rentals plus standout New Orleans short-term-rental potential. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in New Orleans, Baton Rouge, Shreveport 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 Louisiana 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 Louisiana rentals with Mortava

DSCR loans let Louisiana 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 New Orleans, Baton Rouge, Shreveport.

New Orleans supports a genuine dual strategy — high gross yields on long-term rentals and an established short-term-rental market where licensed. Louisiana pricing keeps both entry points accessible.

Top metros we lend in
New Orleans, Baton Rouge, Shreveport
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 Louisiana

New Orleans-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 Louisiana, see our STR / Airbnb DSCR program for how projected income is underwritten.

BRRRR in Louisiana

Markets like New Orleans and Baton Rouge are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

Louisiana DSCR loan FAQ

Can I get a DSCR loan in Louisiana?
Yes. Mortava lends on investment properties across Louisiana, including New Orleans, Baton Rouge, Shreveport. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Louisiana without W-2s or DTI.
What credit score do I need for a Louisiana DSCR loan?
Most Louisiana 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 Louisiana 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 Louisiana.
Can I use a DSCR loan for an Airbnb or short-term rental in Louisiana?
Yes. Mortava's STR DSCR program qualifies Louisiana short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like New Orleans, so confirm licensing before you buy.
Do you lend on rentals in New Orleans and Baton Rouge?
Yes — Mortava lends across New Orleans, Baton Rouge, Shreveport and every other Louisiana market. DSCR loans are sized on each property's rent, so a New Orleans duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
DSCR in IdahoDSCR in IllinoisDSCR in IndianaDSCR in IowaDSCR in KansasDSCR in KentuckyDSCR in MaineDSCR in MarylandDSCR in MassachusettsDSCR in MichiganDSCR in MinnesotaDSCR in Mississippi
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