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Rates

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

Rental property financing for Louisiana investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving New Orleans, Baton Rouge, Shreveport, Lafayette and the rest of Louisiana. 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 Louisiana?

Yes. DSCR loans in Louisiana 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.

Louisiana Rental Market Snapshot

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

Median Home Price
$215K
Statewide single-family
Gross Rental Yield
7.0–10.0%
Annual rent / price
Eviction Timeline
21–35 days
landlord-friendly
Rate Adjustment
+0.125%
vs national baseline

Louisiana's DSCR market is dominated by New Orleans STR economics and Baton Rouge LSU-anchored LTR demand. New Orleans Type T short-term rental restrictions (operator-occupied + permit cap) materially affect underwriting, verify current STR registration before relying on nightly-rate income. Insurance is the dominant DSCR-denominator drag statewide; coastal property premiums have doubled since 2022.

Major Louisiana Markets We Serve

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

MetroMedian PriceGross YieldDSCR Investor Notes
New Orleans$285K6.0–8.5%Largest LA market, restricted STR, deep LTR base, high insurance loadings
Baton Rouge$235K7.0–9.0%State capital + LSU + petrochemical employment
Shreveport$155K9.0–11.0%Lowest entry price in major LA metros, higher cap rates
Lafayette$215K7.5–9.5%Oil/gas + UL Lafayette employment, mid-cap-rate market
Louisiana investor note:Louisiana has no statewide rent control. New Orleans STR market is among the most restricted in the country, Orleans Parish Type T short-term rental permits are capped and require operator residency for most zones.

Louisiana Eviction Timeline & Landlord Posture

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

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

Louisiana CCP article 4701 allows a 5-day notice for non-payment. Justice of the Peace and Parish courts typically resolve uncontested eviction matters within 3–5 weeks.

Louisiana Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Hurricane/flood insurance loadings raise PITIA materially in coastal LA; lenders price additional reserve requirement.

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 Louisiana

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

  • Visio Lending
  • Lima One
  • Kiavi
  • RCN Capital

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

Louisiana 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 Louisiana DSCR Loan Terms

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

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