Florida DSCR Loans — Qualify on the Property, Not Your 1040
Debt Service Coverage Ratio loans underwrite the investment property's rent against its costs — not your personal tax returns. For Florida investors with write-offs, multiple entities, or speed requirements, DSCR is the crowbar that opens the deal.
Above 1.0 means the property covers its own payment — strongest pricing
Below 1.0 possible with higher down payment on select programs
No personal income verification, no tax returns, no employment documentation
Closing in entity names (LLC) commonly allowed
Florida investor scenarios we close
Purchase of rental single-family, townhome, and condo units
Cash-out refinance to harvest equity for the next purchase
Short-term rental programs with seasonal rent consideration
Portfolio and repeat investors who've outpriced their own tax returns
1-4 unit residential investment properties
Trade-offs to know upfront
Down payments typically 20-25%+
Rates run above owner-occupied conventional — the price of speed and no-docs
Prepayment penalties common on some structures — we negotiate them
It's investment-only: you can't live in a DSCR property — for that see our conventional options
Frequently Asked Questions
What is a DSCR loan in Florida?
A mortgage on an investment property that qualifies based on the property's rental income covering its debt payments (Debt Service Coverage Ratio), instead of your personal income documentation. No tax returns required.
What DSCR ratio do Florida lenders require?
1.0 or above gets the best pricing — the rent covers the payment. Between 0.75 and 1.0 is possible with larger down payments on select programs.
Can I get a DSCR loan on a short-term rental in Florida?
Yes — several lenders underwrite Airbnb/VRBO-style rentals using market rent data or seasonal income considerations. Parameters vary by program; call 754-247-3930 for current options.
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