DSCR Loans

    Looking to finance your next real estate investment in Florida? DSCR loans (Debt Service Coverage Ratio loans) are designed specifically for real estate investors—especially those targeting Airbnb or short-term rental properties. With competitive DSCR loan rates in Florida, minimal documentation requirements, and a streamlined approval process, this loan product is one of the most efficient tools for building your rental property portfolio.

    What Is a DSCR Loan?

    A DSCR loan evaluates a property’s income potential—not your personal income—to determine loan eligibility. This makes it ideal for investors who want to finance rental properties without tax returns or pay stubs. If your property’s rental income can cover its debt payments, you may qualify.

    Why Choose a DSCR Loan in Florida?

    Florida is one of the hottest real estate markets in the country. Whether you’re investing in Miami, Tampa, Orlando, or Jacksonville, a DSCR loan gives you the flexibility and power to scale your investments.

    Key Benefits:

    • No Personal Income Verification
       Approval is based on rental income—not your job or W2s.
    • Fast & Flexible Approval Process
       Minimal documentation and faster closings.
    • Tailored for Airbnb & STR Investors
       Perfect for short-term rental (STR) and Airbnb properties, which may not qualify under traditional loans.
    • Access to Top DSCR Lenders in Florida
       We partner with experienced lenders who understand local markets.

    DSCR Loan Requirements in Florida

    To qualify for a DSCR mortgage in Florida, here’s what you typically need:

    • Minimum DSCR Ratio: 1.0+ (Your rental income must at least cover the mortgage payment)
    • Down Payment: 20–25% depending on lender and property type
    • Credit Score: 620+ (higher scores may get better rates)
    • Appraisal: A rental income appraisal (Form 1007) is required

    Use our DSCR Loan Calculator to estimate your eligibility based on property income and expenses.

    STR vs. LTR Financing with DSCR Loans

    Whether you’re investing in:

    • Short-Term Rentals (STR) like Airbnb or Vrbo
    • Long-Term Rentals (LTR) for stable, consistent income

    DSCR loans can accommodate both strategies. STRs may offer higher returns, while LTRs often provide more predictable income streams. With a DSCR loan, you’re free to build a diversified portfolio that matches your goals.

    DSCR Loan Rates & Appraisals in Florida

    • Competitive DSCR Loan Rates: Based on current market conditions, location, and property performance.
    • Required Appraisal: A 1007 rent schedule will be needed to validate your property’s income potential.

    Keep an eye on localized mortgage rates across Florida—like Daytona Beach or Pembroke Pines—to find the most favorable terms.

    Get Started with DSCR Loans in Florida

    Ready to grow your investment portfolio? Whether you’re looking for a DSCR loan in Florida, Ohio, or Washington, we’ll match you with top lenders who understand real estate investing.

    Let’s Get You Funded

    From Airbnb loans to long-term rental financing, we’re here to help you qualify fast and invest smartly.

    Contact us today to learn about:

    • DSCR loan requirements
    • Current interest rates
    • How to get pre-approved
    • Prestamo DSCR en Florida (Bilingual support available)

    Explore Our Other Home Loan Products