Louisiana DSCR Loan Calculator
Screen a Louisiana 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 Louisiana; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Louisiana DSCR assumptions
The calculator seeds Louisiana with a starting property value of $210,000.00, starting rent of $1,050.00, annual property tax based on a 0.55% effective rate, and estimated annual insurance of $4,775.00.
STR note: New Orleans has some of the most restrictive STR rules in the country — non-owner-occupied residential STRs were essentially banned in most residential areas (2019 ordinance). The rules have been modified multiple times and are subject to ongoing litigation — critically important to verify current rules before STR investment in NOLA. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Baton Rouge/East Baton Rouge Parish (state capital, LSU, petrochemical, most stable LA market). New Orleans/Orleans Parish (tourism-driven, unique market, STR premium but highly regulated). Shreveport/Caddo Parish (northwest LA, affordable cash flow, oil/gas). Lafayette (Acadiana oil/gas economy, hybrid). Lake Charles/Calcasieu Parish (LNG/industrial growth — rebuilding post-Ida).
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