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DSCR Rental Loans · Washington

DSCR rental loans in Washington — qualify on the rent.

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

Washington is no state income tax with Seattle-area appreciation and Spokane cash flow. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Seattle, Spokane, Tacoma 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 Washington 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 Washington rentals with Mortava

DSCR loans let Washington 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 Seattle, Spokane, Tacoma, Vancouver.

Washington pairs no state income tax with a genuine two-market setup: Seattle-side appreciation and Spokane-side cash flow. Investors choose their strategy without changing their tax posture.

Top metros we lend in
Seattle, Spokane, Tacoma, Vancouver
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+)

The Washington tax angle

Because Washington has no state income tax, rental cash flow and sale gains avoid state-level tax for individual filers — a structural edge that compounds across a portfolio. For the details, read our states without capital gains tax guide, and confirm specifics with your tax advisor.

Guidelines reviewed July 2026 by the Mortava lending team.

Washington DSCR loan FAQ

Can I get a DSCR loan in Washington?
Yes. Mortava lends on investment properties across Washington, including Seattle, Spokane, Tacoma, Vancouver. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Washington without W-2s or DTI.
What credit score do I need for a Washington DSCR loan?
Most Washington 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 Washington 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 Washington.
Does Washington tax the rental income on my investment property?
No — Washington has no state income tax, so rental cash flow and sale gains are taxed at the federal level only for individual filers. Entity structure and residency can change the picture, so confirm specifics with your tax advisor.
Do you lend on rentals in Seattle and Spokane?
Yes — Mortava lends across Seattle, Spokane, Tacoma, Vancouver and every other Washington market. DSCR loans are sized on each property's rent, so a Seattle 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 Washington → Instant quote & pre-qualify →
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