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 per-bed 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 per-bed 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 is the underwriting basis.
Lenders divide the monthly property income by the mortgage payment. If DSCR >= 1.0-1.2x, the property qualifies — regardless of your personal income.
20-25% down, 620+ 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:
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No credit pull. We'll review your deal and respond within 24 hours.
We'll review your IDD group home deal and reach out within 24 hours with financing options.
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