DSCR Loans in Florida: The Smart Way to Fund Rental Properties

Florida is hot for real estate investing. But if you’re self-employed or scaling fast, traditional loans may not work. That’s where DSCR loans come in.

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. These loans are based on property income, not your personal income.

If the rent covers the mortgage, you can qualify.

Why Florida Investors Use DSCR Loans

• No W-2s or Tax Returns Needed
  Perfect if you're self-employed or have complex income.

• Focus on Cash Flow
  Lenders care about the property’s income, not your job title.

• Grow Faster
  Buy more rental properties without hitting income limits.

Florida Is Ideal for DSCR Investing

• High Rental Demand
  Cities like Miami, Tampa, and Orlando are booming.

• Airbnb-Friendly Markets
  Vacation rentals can qualify if income is steady.

• No State Income Tax
  Florida investors get to keep more of their profits.

DSCR Loan Requirements in Florida

• Minimum DSCR: Usually 1.0 to 1.25

• Down Payment: Often 20-25%

• Credit Score: Typically 620 or higher

• Property Types: Single-family, multi-family, Airbnb, condos, and more

• Loan Amounts: Start around $100,000

Who Can Use DSCR Loans?

• First-time investors

• Full-time landlords

• Airbnb hosts

• Self-employed buyers

• Foreign nationals

How to Qualify

1. Property Cash Flows
   The rent must cover the mortgage.

2. Basic Credit Check
   Lenders check your credit, but it’s not the focus.

3. Appraisal with Rent Estimate
   This shows the property’s potential income.

That’s it—no tax returns, pay stubs, or employment checks.

DSCR Loans Make Investing in Florida Easy

Florida’s market is full of opportunity. DSCR loans let you move fast, qualify easily, and scale with fewer limits.

Whether you're buying your first rental or your tenth, this loan is built for investors like you.