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Florida DSCR Loans for Real Estate Investors
Qualify Using Rental Income — Not Personal Income
DSCR Loans for Real Estate Investors
DSCR (Debt Service Coverage Ratio) loans are designed for investment properties and allow you to qualify primarily based on the property’s rental income — not your personal income.
- ✓No tax returns or W-2s required (DSCR-based qualification)
- ✓Purchase or refinance investment properties
- ✓Great for portfolio investors and LLC ownership (where allowed)
- ✓Long-term rentals and short-term rentals may be eligible (program dependent)
Quick DSCR Explanation
DSCR compares the property’s monthly income to the monthly housing payment.
Exact guidelines vary by lender and property type. A quick review of your rent and scenario is the best way to confirm fit.
What is a DSCR loan?
A DSCR loan is an investment property mortgage that evaluates the property’s ability to cover the mortgage payment using rental income.
- Debt Service = the monthly housing payment (principal, interest, taxes, insurance, and HOA if applicable)
- Coverage Ratio = the rental income relative to that payment
- Many programs use a market rent estimate or lease (program dependent)
Who is this best for?
DSCR is popular for investors who want a simpler path than conventional underwriting.
- Real estate investors (new or experienced)
- Self-employed borrowers who prefer not to document personal income
- LLC ownership (where allowed)
- Investors expanding beyond conventional property limits
Eligible property types
- Single-family rentals
- Condos / townhomes (program dependent)
- 2–4 unit properties
- Long-term rentals
- Short-term rentals (program dependent)
Common DSCR features
- Qualify primarily on rental income
- Flexible documentation options
- Investor-focused underwriting
- Prepayment penalties may apply (program dependent)
What you’ll need
- Property address and estimated value / purchase price
- Estimated rent (lease or market rent)
- Credit score range
- Entity type (personal / LLC if applicable)
DSCR vs. Conventional investment loans
Conventional loans can be great, but DSCR loans are often a better fit for investors who want simpler qualification and scalability.
| DSCR Loans | Conventional Investment Loans |
|---|---|
| Qualify primarily on rental income | Qualify based on borrower income and debt ratios |
| Often fewer personal income documents | Typically requires full income documentation |
| Can be portfolio-friendly | May have property-count / guideline limits |
| Entity/LLC options may be available | Most commonly in personal name |
Eligibility, pricing, and documentation vary by lender and scenario. The best way to confirm fit is a quick review of your property and rent.
DSCR FAQs
Do I need tax returns?
Many DSCR programs focus on rent and the property’s cash flow instead of personal income documentation.
Can I buy in an LLC?
Often yes (program dependent). Some lenders allow LLC vesting; others require personal name.
Are short-term rentals allowed?
Some programs allow STRs using market rent or rental history. Guidelines vary by lender.
What DSCR ratio do I need?
It depends on the lender and scenario. A quick rent/payment review will determine eligibility and pricing.
Can I do a cash-out refinance?
Often available for investment properties (program dependent). Limits vary by LTV, credit, and property type.
Do DSCR loans have prepayment penalties?
Many investor programs include them, but options vary. We can review penalty/no-penalty choices.
Schedule a Call
Want to talk through a rental purchase or refinance? Book a quick call and we’ll go over your property, rent, and next steps.
Fastest way to get started
Have this ready (rough numbers are fine):
- Property address
- Estimated value / purchase price
- Estimated rent
- Purchase or refinance
Ready to start now?
If you’re ready to move forward, you can begin the application now. It only takes a few minutes to get started, and we’ll follow up to guide you through next steps.
Secure online application • You can save and finish later
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