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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

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

Rental property financing for Washington DC investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Washington DC and the rest of Washington DC. 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 Washington DC?

Yes. DSCR loans in Washington DC 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.

Washington DC Rental Market Snapshot

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

Median Home Price
$695K
Statewide single-family
Gross Rental Yield
3.5–5.0%
Annual rent / price
Eviction Timeline
75–150 days
tenant-friendly
Rate Adjustment
+0.250%
vs national baseline

Washington DC is one of the most heavily regulated DSCR markets in the country. RHA rent stabilization on pre-1975 buildings, TOPA tenant-purchase rights on 5+ unit buildings, and a slow Landlord and Tenant Branch calendar mean DC defaults are expensive. Investors typically target post-1975 exempt buildings or small (1–4 unit) properties owned by individuals (not corporate entities) to escape the heaviest TOPA friction.

Major Washington DC Markets We Serve

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

MetroMedian PriceGross YieldDSCR Investor Notes
Washington DC$695K3.5–5.0%RHA rent stabilization on pre-1975, TOPA on 5+ units, slow eviction calendar
Washington DC investor note:DC's Rental Housing Act caps annual rent increases for buildings built before 1975 at CPI + 2% (≤10%). We use current legal rent for DSCR on covered units; new construction and small buildings (≤4 units with non-corporate owner) are exempt.

Washington DC Eviction Timeline & Landlord Posture

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

Posture
tenant-friendly
Typical Timeline
75–150 days
Rent Control
Yes, see note

DC requires a 30-day notice for non-payment under TOPA-aligned tenant-rights framework. Landlord and Tenant Branch of DC Superior Court calendars are routinely 60–90 days out; eviction filings also trigger TOPA notices for buildings of 5+ units.

Washington DC Rate Adjustment vs National Baseline

+0.250%over national baseline pricing

RHA rent stabilization, TOPA tenant-purchase rights, and slow court calendar all increase lender loss severity assumptions.

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 Washington DC

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

  • CoreVest
  • LendingOne
  • Visio Lending

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

Washington DC 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 Washington DC DSCR Loan Terms

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

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Related DSCR Resources