DSCR loans in Alabama.
Qualify on the property's rental income — not your tax returns. Close in an LLC. 20–25% down. Long-term and short-term rental friendly across Alabama.
Birmingham, Huntsville, and Gulf Shores deliver some of the highest cash-on-cash returns in the Southeast — strong LTR cash flow and STR-friendly coastal markets.
Top Alabama DSCR markets
Alabama rental markets by county
60 Alabama markets, grouped into 10 county hubs. Open a county for its city-by-city rent, payment and DSCR numbers.
More Alabama markets
DSCR at a glance in Alabama
- 20–25% down (15% on select shelves with 740+ FICO and 1.25+ DSCR)
- 660 minimum FICO typical · 620 with larger down on some shelves
- DSCR 1.0+ standard · 0.75 with a rate add-on
- 3–6 months PITIA reserves (6 months on STR)
- Close in an LLC, partnership, or corp
- No tax returns · no W-2s · no personal DTI calculated
DSCR calculator
Monthly rent ÷ monthly PITIA (principal + interest + taxes + insurance + association dues).
Alabama DSCR FAQs
Do you offer DSCR loans in Alabama?+
Yes. Tayton Capital originates DSCR investor loans across Alabama for both long-term rentals and short-term (Airbnb / VRBO) rentals where local zoning allows.
What's the minimum down payment for a DSCR loan in Alabama?+
20% is the standard minimum on LTR DSCR with a 1.0+ ratio. 25% is typical for STR or sub-1.0 DSCR ratios. Some shelves go to 15% with 740+ FICO and a strong ratio.
Can I close in an LLC in Alabama?+
Yes. Alabama DSCR closings routinely go into an LLC, partnership, or corp. A personal guaranty is usually still required.
What credit score do I need?+
Most Alabama DSCR shelves start at 660–680 FICO. Best pricing kicks in at 740+. We have programs that accept 620 with larger down.
How fast can a Alabama DSCR loan close?+
Purchases close in 21–30 days; refinances in 15–25 days. We coordinate appraisal, title, and insurance in-house to keep your timeline tight.
Get a Alabama DSCR quote
Send the property address and projected rent — we'll send back a rate, terms, and max loan amount within one business day.