DSCR LOANS · Indiana (IN) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Indiana DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Indiana DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In Indiana (IN), lenders underwrite to a Judicial (3-Month Statutory Waiting Period) statutory framework (150–210 days-day average timeline), a 0.81% average property tax rate (~$172/mo at the $255,000 state median), and $510/$100K hazard insurance (~$108/mo).

Max Leverage / LTC
Up to 80% LTV Purchase / 75% Cash-Out
Min FICO: 620 – 660+ FICO
2026 Rate Band
6.375% – 8.25% (Wholesale Tier Dependent)
30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO
IN Security Instrument
Judicial (3-Month Statutory Waiting Period)
150–210 days days avg timeline
IN Avg Tax & Ins
0.81% Tax
$510/$100K Hazard Ins

Indiana County-Level Property Tax & Insurance Hubs (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

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Indiana DSCR Loans (2026) — Up to 80% LTV Purchase / 75% Cash-Out, 6.375% – 8.25% (Wholesale Tier Dependent) | Stephen R. Mannenbach | Stephen Mannenbach