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Commercial DSCR Investor Deal Desk
Indiana (IN) · Judicial (3-Month Statutory Waiting Period) Foreclosure · 2026 DSCR Desk

Indiana DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Indiana DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Indiana (IN) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Indiana median 1–4 unit price of $255,000 and Form 1007 rent of $2,050/mo (0.81% property tax, $510/$100K hazard insurance), a 75% LTV loan models at 1.35x DSCR ($1,520/mo total PITIA).

Median 1–4 Unit Price
$255,000
75% LTV: $191,250
Median Form 1007 Rent
$2,050/mo
Modeled DSCR: 1.35x
IN Effective Tax Rate
0.81%
~$172/mo Tax Escrow
Security Instrument
Judicial (3-Month Statutory Waiting Period)
Avg Timeline: 150–210 days days

All 10 Investor Loan Programs in Indiana (IN)

Indiana DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Indiana Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Indiana Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Indiana Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Indiana Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Indiana Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Indiana Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Indiana Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Indiana Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Indiana Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Indiana County Property Tax & Insurance Underwriting Atlas (3)

Marion County, IN
Marion County, IN · 0.92% Tax · $535/$100K Ins
Hamilton County, IN
Hamilton County, IN · 0.84% Tax · $515/$100K Ins
Lake County, IN
Lake County, IN · 1.15% Tax · $560/$100K Ins

Top Indiana Investment Cities

Indianapolis, INFort Wayne, INEvansville, INSouth Bend, INCarmel, INFishers, INBloomington, INHammond, INGary, INLafayette, INMuncie, INTerre Haute, IN
Indiana DSCR Loans (2026) — 80% LTV, Rates & IN Underwriting Guide | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets