DSCR Loans in Boise, ID: 2026 Investor Guide

Boise, Idaho — Strong appreciation + in-migration market — DSCR pencils tight at 1.05–1.20 but appreciation thesis is intact.

DSCR Capital Partners closes Boise DSCR loans across long-term rentals, short-term Airbnb properties, and small multifamily. This guide covers exactly how the 2026 program works for Boise investors: pricing, sub-market color, STR rules, and the qualifying math on a representative property.

Boise Investor Snapshot — 2026

Median SFR Price

,150Median Rent

1.00–1.20Typical DSCR

0.65%Property Tax

Boise DSCR Loan Snapshot

2026 Boise DSCR Program HighlightsRates: From 6.50% on strong files (720+ FICO, DSCR 1.20+)
Max LTV: 80% on purchase, 75% on cash-out refinance
Min FICO: 620 (660+ for best pricing tiers)
Min DSCR: 1.0 standard, 0.75 case-by-case at lower LTV
Loan Amount: $100K–$3M+ in Boise
Property Types: SFR, 2–4 unit, condo, 5+ unit small multifamily
Borrowers: Individual, LLC, foreign national, ITIN
Close time: 21–30 days standard

Boise Sub-Markets We Lend In

Whether you're buying, refinancing, or pulling cash out, we close DSCR loans across all major Boise neighborhoods and surrounding metro communities:

North End, East End, Bench, West Boise, Meridian, Eagle, Star, Nampa, Caldwell, Kuna

Worked Example: $K SFR in Boise

Representative DSCR math on a median-priced Boise SFR purchase:

Purchase price:
Down payment (25%): ~25% of purchase
Loan amount (75% LTV): ~75% of purchase
Estimated monthly PITIA: Calculated from current rate + 0.65% effective property tax + insurance + HOA (if applicable)
Market rent (Form 1007 / lease): ,150/month
DSCR: Typically lands in the 1.00–1.20 range
Result: Qualifies under standard DSCR program at 75% LTV

Short-Term Rental Notes for Boise

Meridian and Eagle are the cleanest DSCR pencils. Boise proper is harder due to higher entry prices vs rent. STR allowed but increasingly regulated. STR DSCR files use AirDNA market projections discounted to 75–80% as the qualifying rent. Verify city or county STR registration requirements before going under contract.

Why Investors Choose DSCR Capital Partners for Boise Files

Wholesale lender access. We shop your Boise file across 8–12 wholesale DSCR programs and route to whichever investor pricing wins.
21–30 day close. Boise appraisals turn quickly with our preferred AMC; clean files often close on the early end.
LLC, foreign national, ITIN, condo, multifamily — all in-house. Whatever the file complexity, we have a program that fits.
One loan officer per file. Direct cell-phone access, no call center.

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Frequently Asked Questions

What is the typical DSCR for a Boise investment property? +

Boise DSCRs typically run 1.00–1.20 at 75% LTV depending on neighborhood and property type. Median rent of ,150 on a median-priced property pencils into the qualifying range on most files.

Can I get a DSCR loan for a Boise Airbnb? +

Yes. Boise STR financing is available under our short-term rental DSCR program using AirDNA full-year projections. Meridian and Eagle are the cleanest DSCR pencils. Boise proper is harder due to higher entry prices vs rent. STR allowed but increasingly regulated.

What credit score is needed for a Boise DSCR loan? +

620 minimum on most Boise DSCR files. 720+ unlocks the lowest rates and highest LTV (up to 80%). Credit thresholds are universal — no Boise-specific overlay.

Are foreign nationals approved for Boise DSCR loans? +

Yes. Boise is open to foreign national DSCR borrowers at 70% max LTV. Documents notarized at the US embassy in the borrower's country are accepted.

How long does a Boise DSCR loan take to close? +

21 to 30 days for a clean file. Appraisal turn time in Boise is typically 7 to 10 business days. Bridge variants close in 14 to 21 days.

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Related Resources

DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548), a licensed mortgage broker. Median price/rent figures are approximate market estimates as of May 2026 and vary by sub-market. DSCR ranges shown are typical; specific files may price differently. Equal Housing Lender. Not a loan commitment.