DSCR Loans in Palm Beach County: How to Finance Investment Properties
DSCR loans in Palm Beach County are the standard financing tool for real estate investors who want to qualify without W-2s or tax returns. The loan qualifies based on the property’s rental income relative to its debt payment. No personal income documentation required.
How DSCR is calculated for Palm Beach County properties
DSCR = Monthly Gross Rent ÷ Monthly PITI (Principal, Interest, Taxes, Insurance). A 1.0 ratio means rent exactly covers the payment. Most lenders want 1.10–1.25. In Boynton Beach, a 3-bedroom renting for $2,600/month against a $2,100 PITI gives a DSCR of 1.24 — right in the qualifying range.
DSCR loan requirements in 2026
- Minimum credit score: 680 for most programs
- Down payment: 20–25%
- Property type: non-owner-occupied investment
- Short-term rentals: some lenders use market rent reports in lieu of leases
- Loan amounts: up to $3–5 million at most lenders
Best Palm Beach County markets for DSCR investing
Lake Worth, Boynton Beach, and West Palm Beach offer the best rent-to-price ratios in the county. Single-family homes in these markets often hit DSCR thresholds at current prices. The coastal corridor has higher prices that compress ratios. For short-term rental investors, Jupiter and Tequesta show strong occupancy. Read our full Florida DSCR loan guide for rate and program details.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.