Commercial
DSCR Investment in Boise, ID
With 237,242 residents, Boise, ID is a mid-sized city in Ada County, and Custom Mortgage arranges DSCR Investment loans there, including Downtown and North End. The median home in Boise is valued at $484,800, 5% less than the Ada County median of $512,300 (Census ACS 2020-2024 5-year). A median-priced purchase clears the 2026 one-unit limit ($832,750) by $347,950.
The Boise median household income, $83,904, is 8% under the county's. About 63% of occupied homes are owner-occupied (71% countywide). The median home was built in 1986. Renters in Boise pay a median $1,446 a month in gross rent.
DSCR Investment Highlights
- Competitive interest rates and flexible terms
- Streamlined application process with fast approvals
- Experienced loan officers dedicated to your success
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Ada County at a glance
- Boise median home value
- $484,800
- Source: Census ACS 5-year, Boise City city, Idaho, 2020-2024
- Boise median household income
- $83,904
- Source: Census ACS 5-year, Boise City city, Idaho, 2020-2024
- Boise owner-occupied homes
- 63%
- Source: Census ACS 5-year, Boise City city, Idaho, 2020-2024
- Boise median year built
- 1986
- Source: Census ACS 5-year, Boise City city, Idaho, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $512,300
- Source: Census ACS 5-year, 2024
- Median household income
- $91,502
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 71%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 5.6
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: ADA
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
DSCR Investment in Boise, ID
Boise mortgage lending for Ada County. Competitive rates in Idaho's fastest-growing market.Custom Mortgage & Real Estate specializes in providing high-fidelity DSCR Investment solutions tailored to the unique economic landscape of Boise and the surrounding Ada County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireBoise metropolitan area.
Service Areas & Neighborhoods
Our Boise Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About DSCR Investment in Boise
Yes, by $347,950: $484,800 median versus a $832,750 one-unit limit.
5.8 times the $83,904 median household income, about the same as across Ada County. Debt-to-income limits usually set the loan size.
See all DSCR Investment questions and program details
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TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
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