Arizona DSCR Loan Calculator
Screen a Arizona rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Arizona; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Arizona DSCR assumptions
The calculator seeds Arizona with a starting property value of $430,000.00, starting rent of $1,550.00, annual property tax based on a 0.48% effective rate, and estimated annual insurance of $3,123.00.
STR note: Arizona passed preemption legislation limiting local STR bans (A.R.S. § 9-500.39), but cities retain some regulatory authority (safety, noise, taxes). Sedona has been particularly aggressive within allowed limits. This is a rapidly evolving legal area. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Phoenix/Maricopa County (largest, most liquid SFR market in U.S.). Tucson/Pima County (more affordable, university + military cash flow). Mesa/Chandler/Gilbert (suburban growth, strong SFR rental demand). Flagstaff (STR/vacation rental, university). Yuma (military-adjacent cash flow).
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