Arizona 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 Arizona (AZ) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Arizona median 1–4 unit price of $445,000 and Form 1007 rent of $3,150/mo (0.56% property tax, $440/$100K hazard insurance), a 75% LTV loan models at 1.24x DSCR ($2,536/mo total PITIA).