Florida Real Estate Investment
DSCR Loan Florida for Real Estate Investors
If you’re investing in Florida real estate, a DSCR loan allows you to qualify based on the property’s income, not your personal tax returns. These loans are designed for investors who want to scale rental portfolios without traditional income verification.
Expert Path to Growth
DSCR loans offer a flexible path for long-term rentals, refinances, or short-term rentals across Florida. Whether you are targeting the high-density markets of Miami or the booming suburbs of Tampa, we provide the capital necessary to secure your next asset without the friction of traditional underwriting.
What is a DSCR Loan?
The Debt Service Coverage Ratio (DSCR) is a metric used by lenders to measure a property's ability to pay its own debt. Unlike conventional loans, we don't look at your paystubs, we look at the property's performance.
Rental Income ÷ PITIA
Ratio Above 1.00
The property generates more income than the expenses (Positive Cash Flow). Most lenders prefer a 1.20+ ratio for premium pricing.
No Income Verification
Skip the mountain of tax returns and debt-to-income (DTI) hurdles. Your personal employment is not the focus.
The Florida Advantage
Highlighting the strongest real estate markets in the nation. Florida’s growth is your leverage.
0%
State income Tax
Top 3
Rental Demand
Miami
High luxury demand & STR
Orlando
Vacation rental capital
Tampa
Rapid residential growth
DSCR Core Requirements
Credit Score
Typically 620-680+. Higher scores unlock better LTV and rates.
Down Payment
Up to 80% LTV available. Standard investor entry is 20-25% down.
DSCR Ratio
Minimum 1.00+ ratio for most programs. Cash-flow is the qualifier.
Reserves
Typically, 3-6 months of PITIA reserves are required after closing.
Eligible Florida Properties
Single Family Residences
2-4 Unit Multi-Family Properties
Warrantable & Non-Warrantable Condos
Townhomes & PUDs
Investor Experience
Seasoned Investors
Utilize our master service agreements to close multiple properties per month. We support scaling at volume.
First-Time Investors
Perfect for your first rental. We guide you through the property-centric underwriting process to ensure your first deal is solid.
Short-Term Rentals (Airbnb)
Florida is the global epicenter for vacation rentals. Our DSCR program specializes in Short-Term Rental (STR) properties. We allow for “AirDNA” projected income or historical Airbnb revenue to qualify.
The 20% Rule
For STR properties where the owner pays all utilities and management, we typically apply a standard 20% expense factor to the gross revenue for calculation purposes.
Your DSCR Strategy, Simplified
The Purchase Path
Lock in a property quickly to beat out cash buyers. Our streamlined process allows for 30-day closings on most Florida assets.
- Up to 80% LTV
- Fast appraisals
- Seller credits allowed
The Purchase Path
Pull equity out of your Florida portfolio to fund your next deal. Cash-out refinances are a key driver of investor wealth.
- Up to 75% Cash-Out
- Delayed financing options
- Consolidated portfolio loans
The Investor's Edge
No Personal Income Verification
We don’t need your 1040s or W2s. If the house makes money, the loan makes sense.
LLC Eligibility
Close in the name of your Florida LLC or Corporation to protect your personal identity and assets.
Faster Approvals
Skip the 60-day bank cycles. We move at the speed of the market.
Infinite Scaling
No limit on the number of financed properties you can own.
Interest Only
Available IO options to maximize monthly cash flow.
The Investor's Edge
Get a DSCR Loan Quote in Florida today. Our specialists will analyze your property data and provide a term sheet within 24 hours.