Deephaven Mortgage for Idaho investors
Deephaven Mortgage is a broker-only DSCR lender with a 660 minimum credit score and a firm 1.00 minimum DSCR. Maximum loan size is $2,000,000, with maximum LTV of 80% on purchase/rate-term and 70% on cash-out refinance. The company does not publish minimum loan size, rate, or state-coverage figures in the sources reviewed.
Idaho context
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active.
How Deephaven Mortgage positions in Idaho
The Idaho lender pool for DSCR includes Deephaven Mortgage among the active platforms. Idaho top metros (Boise, Idaho Falls, Coeur d'Alene) see meaningful Deephaven Mortgage loan volume.
City-level coverage in Idaho
Deephaven Mortgage provides DSCR coverage across Idaho metros including Boise, Idaho Falls, and Coeur d'Alene. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Deephaven Mortgage program terms apply uniformly across Idaho metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - $2.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Idaho property tax | 0.7% |
| Idaho state income tax | 5.8% |
Deephaven Mortgage strengths in Idaho
- 1.00 minimum DSCR
- Broker-only origination
- Maximum loan size $2,000,000
- 70% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower with a fully qualifying 1.00+ DSCR.
FAQ
Likely; verify direct Idaho coverage. Deephaven Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Boise is the top investor market in Idaho and is generally within Deephaven Mortgage states not publicly disclosed footprint. Boise property tax follows the Idaho state rate of 0.7 percent. Deephaven Mortgage typically underwrites Boise acquisitions at standard rate sheets.
Yes. Idaho Falls ranks among the larger Idaho investor metros and sees consistent DSCR loan volume from Deephaven Mortgage. Submarket variation within Idaho Falls matters for property selection.
Deephaven Mortgage applies the same rate sheet across Idaho metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boise, Idaho Falls, and Coeur d'Alene all qualify for the same Deephaven Mortgage program.
Deephaven Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active. Deephaven Mortgage follows standard business-purpose loan structures.
Deephaven Mortgage funds rental DSCR in Idaho.
Idaho allows standard DSCR prepay structures; Deephaven Mortgage typically uses 3-5 year step down.
Deephaven Mortgage typical close: Not publicly published.
Bottom line
Deephaven Mortgage in Idaho works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Deephaven Mortgage.