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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

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

Rental property financing for Idaho investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Boise, Meridian, Nampa, Idaho Falls and the rest of Idaho. 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%
  • 21–30 day close

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

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Idaho?

Yes. DSCR loans in Idaho 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. 1–4 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 August 1, 2026.

Indicative only, as of August 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 does not lend and does not set pricing. What these terms mean.

Idaho Rental Market Snapshot

State-level data DSCR underwriters use to size Idaho rental deals.

Median Home Price
$425K
Statewide single-family
Gross Rental Yield
4.5–6.5%
Annual rent / price
Eviction Timeline
21–35 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

Idaho, and especially the Boise-Meridian-Nampa Treasure Valley, is one of the fastest-growing DSCR markets in the Mountain West. Out-of-state in-migration pushed prices up sharply in 2020–2022; the market has since cooled but rents continue to grow. Eastern Idaho (Idaho Falls, Pocatello) offers higher cap rates with thinner deal flow.

Major Idaho Markets We Serve

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

MetroMedian PriceGross YieldDSCR Investor Notes
Boise$465K4.5–5.5%Largest ID market, tech in-migration, premium LTR pricing, thinner cap rates
Meridian$495K4.5–5.5%Suburban Boise growth corridor, family LTR demand
Nampa$385K5.0–6.0%Lower entry alternative in Treasure Valley, working-class LTR base
Idaho Falls$305K6.0–7.5%Eastern ID, INL national lab employment, higher cap rates
Idaho investor note:Idaho has no statewide rent control and a fast non-judicial foreclosure process. Boise MSA experienced one of the fastest price runs in the country 2020–2022 and has since stabilized.

Idaho Eviction Timeline & Landlord Posture

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

Posture
landlord-friendly
Typical Timeline
21–35 days
Rent Control
None / preempted

Idaho Code § 6-303 allows a 3-day notice for non-payment. Magistrate court hearings typically resolve within 12 days of filing. Among the fastest landlord-remedy states in the West.

Idaho Rate Adjustment vs National Baseline

neutralover national baseline pricing

Mid-sized MSA pricing tracks conventional non-QM curves; non-judicial foreclosure and short eviction timelines reduce lender loss severity.

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 August 1, 2026.

DSCR Lenders Active in Idaho

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

  • Kiavi
  • Visio Lending
  • Lima One
  • CoreVest

PeerSense is independent, not a lender. Lenders listed are programs we have funded Idaho deals through; specific terms vary by file.

Idaho 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 Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 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 August 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 does not lend and does not set pricing. What these terms mean.

Get Idaho DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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