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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates

Alaska DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Alaska investors qualified on property cash flow, not personal income, W 2s, or tax returns. Serving Anchorage, Fairbanks and the rest of Alaska. If the property cash flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best tier from 5.80%
  • 21 to 30 day close

Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.

Talk to PeerSenseCalculate Your DSCR

Can I get a DSCR rental loan in Alaska?

Yes. DSCR loans in Alaska qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W 2s, or DTI calculation required. 1 to 4 unit residential and 5+ unit multifamily eligible. Governed best tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated October 1, 2026.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Alaska Rental Market Snapshot

State level data DSCR underwriters use to size Alaska rental deals.

Median Home Price
$365K
Statewide single family
Gross Rental Yield
6.0 to 8.0%
Annual rent / price
Eviction Timeline
30 to 45 days
landlord-friendly
Rate Adjustment
+0.125%
vs national baseline

Alaska is one of the smallest DSCR markets in the country by unit count but has reliable military driven LTR demand in Anchorage (JBER) and Fairbanks (Fort Wainwright). Investors face higher heating costs and longer winter vacancy windows, which DSCR underwriters factor into reserves.

Major Alaska Markets We Serve

Active DSCR deal flow across Alaska's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Anchorage$385K6.0 to 7.5%Largest AK market, JBER military demand, oil/medical employment base
Fairbanks$295K7.0 to 8.5%Fort Wainwright/UAF demand, higher cap rates, longer winter vacancy risk
Alaska investor note:Alaska has no statewide rent control. Military rotations through JBER and Fort Wainwright drive a meaningful share of Anchorage and Fairbanks LTR demand.

Alaska Eviction Timeline & Landlord Posture

How Alaska courts handle non payment evictions, material to DSCR loss severity assumptions.

Posture
landlord-friendly
Typical Timeline
30 to 45 days
Rent Control
None / preempted

Alaska's Uniform Residential Landlord Tenant Act allows a 7 day notice for non payment. Forcible entry and detainer hearings are scheduled within 15 days of filing.

Alaska Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Smaller, less liquid market means lenders price a modest premium; winter heating costs raise PITIA reserves.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best tier floor 5.80% from rate-floors.json as of October 1, 2026.

DSCR Lenders Active in Alaska

The non bank DSCR programs we see most frequently funding Alaska rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One

PeerSense sources capital through a curated network of commercial lenders and capital sources. Lenders listed are programs we have funded Alaska deals through; specific terms vary by file.

Alaska DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1 to 4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W 2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21 to 30 daysCash out refi: 14 to 21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Get Alaska DSCR Loan Terms

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Equity or down payment ready
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What best describes your company
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