DSCR Loans in Germantown, Ohio
Germantown is a city in Montgomery County, Ohio. Here's what a DSCR lender's math looks like on a rental property here.
01
Germantown at a glance
- County
- Montgomery County
- Population
- 5,796 (2020 Census)
- Type
- City
02
Home values and rent in Germantown
Germantown-specific home-value data isn't separately published; countywide, Montgomery County's median runs $180,900 (ACS 2020-2024 5yr). Rent, similarly, has no Germantown-specific figure; countywide Montgomery County's median gross rent is $1,026/mo (ACS 2020-2024 5yr).
03
The county tax-drag math applies here
Property tax on a Germantown rental is set at the Montgomery County rate: 1.58% effective, above the 1.36% Ohio average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Montgomery County page — here's the tax line specifically for a property at Germantown's own numbers:
- Property value used
- $180,900 (countywide)
- Montgomery County effective tax rate
- 1.58%
- Estimated monthly property tax
- $238
That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — this is a market observation, not an offer; your rate depends on your DSCR, credit, LTV and loan purpose, and is set by the lender, not by us.
04
Get your Germantown DSCR quote
The figures above are city or county medians — your specific Germantown property will land somewhere else on the DSCR math. See where.
05
Sources for this page
- Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
- CostByCounty, "Cost of Living in Ohio by County" (Montgomery County median home value, county-fallback) — https://costbycounty.com/ohio
- Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/
Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.