DSCR Loans in Baltimore, MD
Loan-size math and qualifying analysis for DSCR financing on Baltimore's $192k median home value. Strong fit.
Strong fit for Baltimore.
Baltimore's rent-to-price ratio supports a healthy DSCR (1.31) — above the 1.20-1.25 threshold most lenders require for best pricing. Rental fit score 80/100.
Payment on Baltimore's $192k median.
| Median home value (Baltimore) | $191,668 |
| Assumed LTV | 78% |
| Loan amount | $149,501 |
| Cash to close (down payment) | $42,167 |
| Assumed rate | 8.50% |
| Term | 30-year amortizing |
| Monthly P&I | $1,150/mo |
Does Baltimore pencil?
| Median monthly rent (Baltimore) | $1,760/mo |
| Property taxes (est. 1.1%/yr) | −$176/mo |
| Insurance (est. 0.5%/yr) | −$80/mo |
| NOI (before debt) | $1,504/mo |
| Debt service | −$1,150/mo |
| DSCR | 1.31 |
Most DSCR lenders require DSCR ≥ 1.10 to fund and ≥ 1.20-1.25 for the best pricing tier. Baltimore medians comfortably clear this threshold.
DSCR financing — the mechanics.
A non-QM mortgage product where the lender computes Debt Service Coverage Ratio = NOI ÷ debt service. If DSCR clears their threshold (1.10-1.25 typical), the loan funds regardless of the borrower's W-2 income, DTI, or tax returns. The property qualifies the loan.
Lender requires: 660+ FICO (most), 25% down (typical), 6 months of debt-service reserves, signed lease or projected market rent supported by Form 1007 appraiser-rent comps. Closing in 21-35 days standard.
How Maryland law affects this loan.
Maryland foreclosure timeline: judicial, ~6-12 months. See full DSCR in Maryland breakdown.
Frequently asked.
What's the typical DSCR loan size for a property in Baltimore?
On Baltimore's $192k median home value, a DSCR loan at the standard 78% LTV would be approximately $150k, requiring $42k down.
What's the monthly payment on a typical DSCR loan in Baltimore?
Fully-amortizing 30-year payment on a $150k DSCR loan at the typical rate of 8.50% would be approximately $1k/month, excluding taxes and insurance.
Is Baltimore a good market for DSCR financing?
Baltimore's rent-to-price ratio supports a healthy DSCR (1.31) — above the 1.20-1.25 threshold most lenders require for best pricing. Rental fit score 80/100.
What credit and reserves do DSCR lenders require for Baltimore properties?
Lender requires: 660+ FICO (most), 25% down (typical), 6 months of debt-service reserves, signed lease or projected market rent supported by Form 1007 appraiser-rent comps. Closing in 21-35 days standard.
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