Skip to main content

    Rental property financing

    DSCR Investor Loans in Indiana

    Last updated October 14, 2026

    ABS Home Mortgage offers DSCR loans for rental property investors in Indiana. A DSCR (debt service coverage ratio) loan qualifies the property on its rental income rather than your personal tax returns, so it suits self-employed investors, investors with many properties, and borrowers whose tax returns understate their income. Programs, eligibility and terms vary by property and borrower, subject to underwriting.

    ApplyCall 630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

    Rental homes in Indianapolis, Indiana — ABS Home Mortgage DSCR investor loans

    Program availability and eligibility as of October 10, 2026; subject to change and underwriting.

    DSCR loans are business-purpose loans for investment property. We do not offer owner-occupied home loans in Indiana.

    Financing for rental property investors

    Qualified on rental income

    We compare the property's rent to its monthly housing costs, subject to underwriting.

    Limited income documentation

    Borrower income documentation is generally limited. We confirm the documents your program requires.

    Entity borrowing may be available

    Buying through an LLC may be an option. We review your entity documents and confirm eligibility.

    For rental property investors

    We work with self-employed and portfolio investors, including borrowers whose tax returns understate their income.

    Who it fits

    • Self-employed investors
    • Portfolio investors
    • Investors buying through an LLC: entity borrowing may be available, confirm with us
    • Investors who want to scale without personal-income limits, subject to program rules

    We review the property and borrower together. Eligibility is subject to underwriting.

    How a DSCR loan works

    We compare the property's rent to its monthly housing costs: principal, interest, taxes, insurance and HOA dues. Borrower income documentation is generally limited.

    Down payment, rate and DSCR requirements vary by program and are provided on a call.

    Model your property's DSCR · Read our DSCR loan overview

    Property types

    • Single-family rentals
    • Two-to-four unit properties
    • Condos and townhomes

    Property types are subject to program rules. Short-term rental eligibility depends on the program and documentation; ask us.

    Our purchase closing timeline

    Our average purchase close is 21 calendar days; timelines vary by file and no timeline is guaranteed.

    As of October 10, 2026; subject to change. Documentation, appraisal and underwriting can affect the timeline.

    Documents we typically ask for

    • Lease or market rent analysis
    • Property insurance quote
    • Entity documents if buying in an LLC
    • ID
    • Bank statements for reserves
    • Purchase contract

    We confirm the documents required by your program. Additional documentation may be needed.

    Where investors buy in Indiana

    Indianapolis area

    Anchored by employers like Eli Lilly, which announced a $3.7 billion-plus investment in Boone County's LEAP district.

    Fort Wayne

    A growing mid-size city. Census estimates put it at about 275,000 residents in 2025, up roughly 4% since 2020.

    Northwest Indiana

    Lake and Porter counties sit next to Chicago and are connected to it by the South Shore Line. For many Chicagoland investors it's the closest out-of-state rental market.

    Rental property investing in Indiana

    Indiana caps property tax bills as a percentage of assessed value: 1% for a homestead, 2% for other residential property, including rentals (IC 6-1.1-20.6-7.5). Indiana's effective rate on owner-occupied homes is about 0.76% (Tax Foundation, 2024 data). A rental doesn't get the homestead cap or deduction, so we use the rental tax figure in the DSCR.

    Landlord-tenant basics: a landlord may end a lease for nonpayment with at least 10 days' notice if the rent isn't paid (IC 32-31-1-6). Security deposits must be returned with an itemized list within 45 days after the tenant provides a mailing address (IC 32-31-3-12). Indiana bars local governments from regulating rents on private property (IC 32-31-1-20).

    Indianapolis requires landlord registration and, since January 1, 2025, an annual permit for each short-term rental unit.

    For legal or tax questions, confirm with your attorney or tax advisor.

    Sources

    Local information as of October 14, 2026; subject to change.

    Indiana DSCR loan FAQs

    A DSCR (debt service coverage ratio) loan qualifies a rental property on its rental income rather than your personal tax returns. We compare the property's rent to its monthly housing costs, subject to underwriting.

    Personal tax returns are generally not used to qualify the property on a DSCR loan, and borrower income documentation is generally limited. We confirm the documents required by your program.

    Entity borrowing may be available. We review your LLC documents and confirm whether the property and entity meet the program's requirements.

    It depends on the program and documentation. Ask us about the property and your rental plan so we can review the requirements.

    We work with rental property investors in Indiana, including Indianapolis, Fort Wayne and Northwest Indiana, subject to program availability and underwriting.

    Indiana caps a rental's property tax at 2% of its gross assessed value, compared with 1% for a home the owner lives in (IC 6-1.1-20.6-7.5). We use the rental tax amount when we calculate the property's DSCR.

    Yes. DSCR loans are business-purpose loans for investment property, and Indiana is one of the states where we arrange them. Many of our investors live in Illinois and buy rentals across the state line.

    Let's review your Indiana rental property

    We can review your rental income, property costs and documents and explain which financing options may fit.

    ApplyCall 630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

    Also see: all loan products · DSCR loans · request today's rate · DSCR calculator

    DSCR by State

    ABS Home Mortgage is licensed in Illinois, Florida, Georgia and Texas.

    DSCR loans are business-purpose loans for investment property. We do not offer owner-occupied home loans in Indiana.

    ABS Home Mortgage, Inc. — NMLS ID: 209985. Bhupesh Saggar, Mortgage Loan Originator — NMLS ID: 221364. Equal Housing Lender.

    This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.

    Indiana investor reading

    Investor

    No Income? No Problem: DSCR Loans in 2026

    How investors qualify for rental-property financing on rental income alone - no W-2, no tax returns.

    Read article
    How We Work

    Inside a 21-Day Close: What Happens Each Week, and What Slows It Down

    Our average purchase closing is 21 calendar days. Here's exactly what happens each week — documents, underwriting, appraisal, title, and the Closing Disclosure clock.

    Read article
    Investor

    DSCR Loan Down Payments: How Much Do You Really Need in 2026?

    How the down payment tiers actually work by DSCR ratio, credit score, and property type - and how to get to the lower end.

    Read article