Florida Loan Program
DSCR Loans
Smart financing for real estate investors.
A Debt Service Coverage Ratio (DSCR) loan is built specifically for real estate investors. Instead of qualifying you based on your personal income and tax returns, the lender qualifies the loan based on whether the rental income from the property covers its own debt payment — measured by the DSCR ratio.
This is a game-changer for investors with complex personal finances. Maybe you write off a lot of income on your tax returns, own multiple properties already, or simply don't want every new acquisition to trigger a full personal income review. With a DSCR loan, if the property's rent comfortably covers the mortgage (a ratio of 1.0 or above, ideally 1.25+), you can qualify and close fast.
Florida is one of the strongest rental markets in the country, which makes DSCR loans a natural fit for building a portfolio here — from South Florida multifamily properties to single-family rentals in growing inland markets. We help investors structure each acquisition for the best cash flow and long-term return, with faster closings than a traditional income-verified loan.
Who This Loan Is For
- Real estate investors adding to a Florida rental portfolio
- Self-employed investors whose tax returns understate income
- Buyers who want to qualify on the property, not personal income
- Investors needing to close fast to win competitive deals
- Anyone scaling from one rental to multiple properties
Basic Requirements
- A property (or properties) with rental income that covers the debt
- DSCR of at least 1.0 (1.25+ for best terms)
- Down payment typically 20-25% for investment properties
- Acceptable credit score (varies by lender)
- Cash reserves to cover vacancies and repairs
Key Benefits
- Qualify based on property cash flow, not personal income
- No personal income verification or tax returns required
- Faster closings to stay competitive as an investor
- Flexible terms for single or multiple rental properties