Baltimore’s investment homes are increasingly backed by DSCR dollars

These loans accounted for more than 40% of mortgage dollars issued in the city on single-family rental properties in 2024.

An area chart showing the amount of loan dollars issued in Baltimore for single family rental properties. The chart includes values for every year from 2019 to 2024. In addition to overall loan dollars, a separate section highlights the share of those dollars issued as DSCR loans. The area representing DSCR loan dollars increases sharply from 2020 to 2021, and continues to grow through 2024.

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For this analysis, DSCR loans are identified as those for which neither the debt-to-income ratios nor the personal income figures of borrowers were reported. Read more about how The Banner counted these loans.

Chart: Sahana Jayaraman/The BannerSource: U.S. Home Mortgage Disclosure Act data