Traditional lenders reject sober living 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.
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 or market rent (Form 1007) rental income — to determine if the property qualifies. No personal income documents. No DTI calculation on your salary.
The sober living and recovery housing market is estimated at $7.5 billion in 2026, growing to $10.7 billion by 2030. Opioid settlement funds, expanding Medicaid reimbursements, and outpatient program growth all fuel demand — while financing remains scarce. That's the gap residential DSCR fills.
A residential home with 3-6 bedrooms suitable for sober living. Existing or converting — both work.
Either you operate it yourself, or you lease to an experienced sober living operator. 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 ≥ 1.0–1.2×, the property qualifies — regardless of your personal income.
as low as 15% down, 600+ credit, and an operator lease or documented income. Close and collect the operator rent each month.
Markets We Cover
We finance recovery housing 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
Related Financing Programs: Transitional Housing Loans · Co-Living Loans · IDD Group Home Loans · Rate & Term Refi Loans · Travel Nurse Housing Loans · DSCR Market Intelligence · LLPA Estimator · DSCR Calculator Tools