Idaho DSCR Loan Calculator
Screen a Idaho 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 Idaho; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Idaho DSCR assumptions
The calculator seeds Idaho with a starting property value of $440,000.00, starting rent of $1,300.00, annual property tax based on a 0.5% effective rate, and estimated annual insurance of $1,924.00.
STR note: No statewide restrictions. Sun Valley, McCall, and Coeur d'Alene have active STR ordinance frameworks. Resort market STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Boise/Ada County (largest market, strong appreciation, hybrid). Meridian/Nampa/Caldwell — Treasure Valley corridor (fastest-growing, SFR demand). Coeur d'Alene/Kootenai County (north Idaho, appreciation + STR). Idaho Falls/Bonneville County (eastern ID, cash flow, INL employment). Twin Falls (cash flow, agricultural economy).
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