Florida DSCR loans for investors.
Qualify based on the rental income of the property — not your personal income. No W-2, no tax returns, no employment verification required.
The property qualifies itself.
DSCR stands for Debt Service Coverage Ratio. Lenders calculate it as: Monthly Rent ÷ PITIA (Principal + Interest + Taxes + Insurance + HOA). A ratio of 1.0 means the rent covers the full payment. Most lenders require 1.0–1.25.
DSCR Calculation Example
No Income Documentation
No W-2s, pay stubs, or tax returns. Ideal for self-employed investors, business owners, and high-net-worth buyers with complex income.
No Limit on Properties
Unlike conventional loans that cap at 10 financed properties, DSCR loans have no portfolio limit. Scale your rental portfolio without restriction.
Short-Term Rentals (Airbnb/VRBO)
We offer DSCR products that use projected STR income from AirDNA or similar tools — not just traditional long-term lease agreements.
LLCs Allowed
Close in your LLC or other entity name. Conventional loans require personal ownership — DSCR products support entity vesting for liability protection.
Down Payment
Typically 20–25% down for single-family, 25% for 2–4 unit. Some lenders allow 15% down with compensating factors.
Credit Score
Minimum 640 for most DSCR programs. 680+ earns better rates and terms. No maximum loan amount on most products.
Equal Housing Lender. DSCR loans are non-QM products and not subject to standard QM guidelines. Not a commitment to lend. NMLS# 1859012. Licensed in Florida.
Ready to scale your Florida rental portfolio?
Get a DSCR pre-approval in 24 hours. Find the property — we’ll handle the financing.
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