Best Summer Markets for DSCR Loan Investments: 2025 Hotspots

Looking to put your capital to work during the 2025 summer season? With real estate demand surging in vacation-friendly and fast-growing metros, smart investors are turning to DSCR loans to finance income-generating properties quickly—without the red tape of traditional mortgages.

Here’s our breakdown of the best summer markets for DSCR loan investments in 2025—from coastal gems to sunbelt stars.

Why Summer 2025 Is Prime for DSCR Investments

Summer real estate markets tend to heat up—not just in temperature but in transaction volume, rental demand, and investor competition. In 2025, the Fed’s gradual easing of rates and continued urban-to-suburban migration have created a perfect storm of opportunity for:

• Short-term rental (STR) operators
• Mid-term rental investors (traveling nurses, remote workers)
• Buy-and-hold landlords looking for cash flow

And DSCR loans remain a top tool to move fast.

New to DSCR? Start here: DSCR Loans 101

Top 6 Summer DSCR Investment Hotspots

1. Orlando, Florida

• Why it’s hot: Year-round tourism, population growth, and STR-friendly zoning
• Median Rent: ~$2,100/month
• Popular Property Types: Condos near theme parks, 3–4 BR homes in Kissimmee
• Explore DSCR Loans in Florida

2. Phoenix, Arizona

• Why it’s hot: Job market growth, investor-friendly laws, seasonal STR demand
• Median Rent: ~$2,250/month
• Popular Property Types: New construction, suburban multifamily
• DSCR Loans in Arizona

3. Myrtle Beach, South Carolina

• Why it’s hot: Coastal STR returns, low cost of entry, expanding healthcare jobs
• Median Rent: ~$1,850/month
• Popular Property Types: Beachfront condos, 2–4 units
• How DSCR Works for STRs

4. Boise, Idaho

• Why it’s hot: Tech migration, remote work boom, affordable land
• Median Rent: ~$2,000/month
• Popular Property Types: Duplexes, SFRs near downtown

5. Las Vegas, Nevada

• Why it’s hot: Airbnb appeal, no state income tax, rising rents
• Median Rent: ~$2,200/month
• Popular Property Types: 4-plexes in Henderson, luxury STRs off-Strip
• Nevada DSCR Loan Guide

6. Gatlinburg, Tennessee

• Why it’s hot: Seasonal cabin STRs, proximity to national parks, tourism surge
• Median Rent (annualized): ~$2,400/month for STRs
• Popular Property Types: Cabins, chalets, hilltop rentals

Summer Investor Tip: Leverage DSCR Loans for STR Growth

DSCR loans are a favorite for Airbnb and STR investors because you can qualify based on projected market rent (Form 1007) even without a lease in place.

Common Summer Use Cases:

• Buying a beach house to Airbnb within 30 days
• Refinancing a mountain cabin into interest-only DSCR
• Purchasing multiple units in a hot tourist corridor

Submit your DSCR loan scenario now and we’ll match you with lenders ready to close this summer.

Key DSCR Loan Requirements in 2025

While each lender has their own criteria, most follow these guidelines:

• Minimum DSCR: 1.0–1.25
• Down Payment: 20–25%
• FICO Score: 660+ preferred
• Property Use: Long-term, short-term, or mid-term rental
• Ownership Structure: LLCs, Trusts, Personal

Use our DSCR Loan Calculator to check your property’s numbers.

Final Thoughts: 2025 Is a DSCR Investor’s Market

From cash-flowing cabins to suburban STRs, the summer of 2025 is rich with real estate investment opportunities—and DSCR financing gives you the flexibility to seize them fast.

Want to close before summer ends? Get matched with a DSCR lender now.

Read Next:

• How to Use a HELOC to Buy Your Next Rental Property
• DSCR Loans for Short-Term Rental Properties
• BRRRR Investing Guide