DSCR Loans in Idaho
Last updated: May 2026
Idaho has been one of the fastest-growing states in the country for several consecutive years, with in-migration from California, Oregon, and Washington pushing demand and rents steadily higher. The combination of low property taxes, no rent control, and a landlord-friendly legal environment makes Idaho attractive for DSCR-focused investors.
Property Tax
0.63%
State Income Tax
5.695% flat
Landlord Friendly
Very
Eviction Timeline
20-35 days
Property Taxes in Idaho
Idaho property taxes are moderate compared to national averages. Ada County (Boise metro) averages about 0.64%, Canyon County (Nampa/Caldwell) around 0.72%, and Kootenai County (Coeur d'Alene) approximately 0.58%.
Insurance Costs
Typical investment property insurance in Idaho runs $1,200/yr. Wildfire risk is elevated in the Boise foothills and across much of northern Idaho's forested areas. Standard homeowners insurance is generally affordable, but properties in the wildland-urban interface may require additional coverage.
Landlord-Tenant Laws
Idaho is very landlord-friendly. Eviction for nonpayment begins with just a 3-day notice, and uncontested cases can conclude in 20 to 35 days. There is no rent control and no statewide cap on security deposits, giving landlords significant operational flexibility.
Top Investment Markets in Idaho
Boise
State capital with a diversified tech, healthcare, and government economy; strong population growth sustains rental demand.
Meridian
Boise suburb that has doubled in population since 2010; family-oriented community with newer housing stock.
Nampa
More affordable Treasure Valley city with improving infrastructure and growing employer base.
Coeur d'Alene
Northern Idaho resort community with tourism-driven STR potential and a rapidly growing year-round population.
Idaho Falls
Eastern Idaho hub near Idaho National Laboratory; stable government and energy-sector employment supports consistent demand.
DSCR Considerations in Idaho
Idaho's rapid appreciation has pushed some investors toward value-add strategies to maintain healthy DSCR ratios. Entry prices in Boise have risen significantly, so the surrounding Treasure Valley cities (Nampa, Caldwell, Meridian) often pencil out better for cash flow. Lenders generally view Idaho favorably given its growth trajectory and strong landlord protections.
Run the numbers for Idaho
Use our free DSCR calculator to see if your Idaho investment property pencils out.
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