DSCR Loans in Arizona — Qualify on the Rent, Not Your Tax Returns.

No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. You can also vest title in an LLC or in your own name. Your credit and reserves still matter, but the property's cash flow does the qualifying.

Arizona property taxes are relatively low, and the state caps how much a property's taxable (Limited) value can rise each year, so bills stay predictable. Investment properties don't receive the owner-occupant Homeowner Rebate, so the effective rate is a bit higher than for an owner-occupant — we estimate taxes from your purchase price rather than a prior owner's bill.

Often, yes. Arizona law prevents cities from banning short-term rentals outright, so they're broadly viable statewide, and OneDSCR can qualify a property on its short-term-rental income using market data or trailing history. Cities can still require a permit, a license, and local registration, so confirm the rules for the exact address before you buy.

No. Arizona prohibits real-estate transfer taxes, which helps keep closing costs leaner than in many states. You'll still have standard recording fees and title costs, and residential rentals must be registered with the county assessor — we walk through the full estimate with you before closing.

Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type.