Traditional lenders reject IDD group homes. We underwrite them as what they are: residential income properties with an operator lease. No tax returns. No personal DTI. Qualify on the property's income from licensed developmental disability service providers.
Apply for Financing →How It Works
Most banks see "group home" and decline the file. DSCR financing evaluates the property's income — specifically the operator lease from a licensed IDD service provider or documented market rent state funding — to determine if the property qualifies. No personal income documents. No DTI calculation on your salary.
The IDD residential care market spans roughly 160,000 community-based settings nationwide, with state Medicaid HCBS waivers funding the majority of rental placements. As states continue the Olmstead-mandated shift from institutional care to community-based small group homes, demand for quality private-pay and provider-leased residential properties continues to rise.
A residential home with 4-6 bedrooms suitable for IDD group home use. Existing or converting — both work.
Either you operate under a state provider contract, or you lease to a licensed IDD service provider. The lease income demonstrates stable occupancy — DSCR qualifies on market rent (Form 1007).
Lenders divide the monthly property income by the mortgage payment. If DSCR >= 1.0-1.2x, the property qualifies — regardless of your personal income.
as low as 15% down, 600+ credit, and an operator lease or provider contract. Close and collect the operator rent each month.
Markets We Cover
We finance IDD group home properties in major metro markets nationwide. Select your city:
Free Eligibility Check
Answer 7 questions — see how many lenders fit. No credit pull.
Guides & Resources
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