Idaho DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 6.25%
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
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- 680+ FICO
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- Refi from 6.25%
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- 21–30 day close
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, 680+ FICO, and 20–25% down. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Refi rates start at 6.25%.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated May 2026.
Idaho Rental Market Snapshot
State-level data DSCR underwriters use to size Idaho rental deals.
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 Fund
Active DSCR deal flow across Idaho's core rental markets. Same requirements — 1.2 DSCR, 680+ FICO, 20–25% down — apply statewide.
| Metro | Median Price | Gross Yield | DSCR Investor Notes |
|---|---|---|---|
| Boise | $465K | 4.5–5.5% | Largest ID market — tech in-migration, premium LTR pricing, thinner cap rates |
| Meridian | $495K | 4.5–5.5% | Suburban Boise growth corridor, family LTR demand |
| Nampa | $385K | 5.0–6.0% | Lower entry alternative in Treasure Valley, working-class LTR base |
| Idaho Falls | $305K | 6.0–7.5% | Eastern ID — INL national lab employment, higher cap rates |
Idaho Eviction Timeline & Landlord Posture
How Idaho courts handle non-payment evictions — material to DSCR loss-severity assumptions.
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
Mid-sized MSA pricing tracks conventional non-QM curves; non-judicial foreclosure and short eviction timelines reduce lender loss severity.
Final pricing depends on FICO, LTV, DSCR, property type, and program. Baseline national DSCR refi rates start at 6.25% as of May 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
- Velocity Mortgage Capital
- 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
| Requirement | Minimum | Notes |
|---|---|---|
| DSCR | 1.20 | 1.00+ allowed with 740 FICO or 30% down |
| Credit Score | 680 FICO | 640–679 by exception, lower LTV |
| Down Payment | 20–25% | 25% if <1.2 DSCR or <700 FICO |
| Property Type | 1–4 units or multifamily | Condos, townhomes, STRs OK where legal |
| Income Docs | None | No tax returns, W-2s, DTI check |
| Reserves | 6 months PITIA | Checking, savings, stocks qualify |
| Close Time | 21–30 days | Cash-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.
Get Idaho DSCR Loan Terms
DSCR Rental — Response within 4 business hours. No obligation.
Related DSCR Resources
- DSCR Loans Hub — Programs & Rates
- DSCR Rental Loans — Full Program Guide
- DSCR for Airbnb / Short-Term Rentals
- DSCR Cash-Out Refinance
- DSCR Jumbo Loans ($1M+)
- DSCR for LLCs / Entity Title
- Best DSCR Lenders 2026
- DSCR Loans — Complete Guide
- DSCR Calculator — Test Your Property
- Fix & Flip Loans — Bridge to DSCR Exit
- Bridge Loans — Short-Term Rental Acquisition
- DSCR vs Conventional Mortgage