Investment Property Loans in Florida

Investment property loan options

• Conventional investment — 15% down, 620+ credit, rental income can qualify
• DSCR loan — debt service coverage ratio, qualifies on rental income alone, no personal income needed
• Bank statement investment — for self-employed investors, 20-25% down
• Jumbo investment — for high-value properties above conforming limits
• 2-4 unit properties — live in one unit and rent the others (house hacking)

Using rental income to qualify

For a property you're buying, lenders typically use 75% of the expected rent (from an appraisal rent schedule) as qualifying income. For a property you already own and rent, we use 75% of the actual rent shown on a lease or Schedule E.

DSCR loans — qualify on the property, not your income

A DSCR (Debt Service Coverage Ratio) loan qualifies based on whether the rental income covers the mortgage payment. If the rent covers the payment with a 1.0+ ratio, you qualify — no W-2s, no tax returns, no personal income verification. Perfect for investors with complex finances.