Investment Intelligence
Compare DSCR ratios, average rents, and median prices across 35+ states. Filter and sort to find your best investment market.
States Covered
39+
Cash Flow Leaders
9 States
DSCR 1.25+
Strong Markets
11 States
DSCR 1.10–1.25
STR / Specialty
6 States
Airbnb/vacation
Click any state to see details • Filter by tier using the buttons below
39 states shown
OGJW 2026 Analysis
Ranked by achievable monthly cash flow at 25% down, standard DSCR loan terms, and typical market rents. Based on OGJW's 2026 analysis of 35+ state markets.
| Rank | State / City | Median Price | Avg Rent | DSCR Range | Est. Cash Flow | Explore |
|---|---|---|---|---|---|---|
#1 | Indiana Indianapolis | $242,000 | $1,680 | 1.25–1.55 | +$340–$550/mo | View Guide |
#2 | Ohio Columbus / Cleveland | $258,000 | $1,820 | 1.20–1.55 | +$255–$480/mo | View Guide |
#3 | Alabama Huntsville / Birmingham | $245,000 | $1,650 | 1.30–1.65 | +$310–$560/mo | View Guide |
#4 | Oklahoma Oklahoma City / Tulsa | $192,000 | $1,420 | 1.30–1.65 | +$300–$520/mo | View Guide |
#5 | Iowa Des Moines / Iowa City | $218,000 | $1,480 | 1.30–1.65 | +$280–$490/mo | View Guide |
Indiana
Indianapolis
Price
$242,000
Rent
$1,680
DSCR
1.25–1.55
Lowest property taxes nationally (0.87%) + Eli Lilly expansion = highest net cash flow margins
View Indiana Market GuideOhio
Columbus / Cleveland
Price
$258,000
Rent
$1,820
DSCR
1.20–1.55
Intel $20B campus + Ohio State demand. Highest-yield major metro in the Midwest
View Ohio Market GuideAlabama
Huntsville / Birmingham
Price
$245,000
Rent
$1,650
DSCR
1.30–1.65
NASA/DoD renter stability + nation's lowest property taxes (0.42% effective rate)
View Alabama Market GuideOklahoma
Oklahoma City / Tulsa
Price
$192,000
Rent
$1,420
DSCR
1.30–1.65
Most affordable major metro in the U.S. with strong rent-to-price ratios
View Oklahoma Market GuideIowa
Des Moines / Iowa City
Price
$218,000
Rent
$1,480
DSCR
1.30–1.65
Insurance/finance hub (Principal, Wellmark) + University of Iowa demand = stable, high-DSCR market
View Iowa Market GuideCash flow estimates based on 25% down payment, 7.5% interest rate (30-yr fixed), and median market rents. Individual properties vary. Source: OGJW 2026 Market Analysis.
Top Cash Flow States
States with DSCR ratios of 1.25+ at 75% LTV make qualification easier, unlock better rates, and generate genuine positive cash flow from day one. The top cash flow states for DSCR investors are:
About This Data
DSCR Range
Estimated DSCR ratios achievable at 75% LTV on a typical single-family rental in each state. Higher = easier to qualify and better rates.
STR / Specialty Markets
States with exceptional short-term rental income (Airbnb/VRBO) that can boost DSCR well above long-term rent ratios using AirDNA projections.
Data Disclaimer
All figures are representative ranges based on typical market conditions. Individual properties vary. Always model your specific deal with a licensed DSCR loan specialist.
State DSCR Loan Guides
Free Tool
DSCR Calculator →
Run the numbers on any property in seconds
Investor Resources
DSCR Loan FAQ →
Answers to 25+ common investor questions
Ready to Invest?
No income docs required. Qualify based on rental income in any of our 35+ covered states.