DSCR Rates in Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
DSCR Loan rates in Florida currently run in the high-6% range for a 30-year fixed, and they price differently than other programs. DSCR rates price above owner-occupied loans because they qualify on the property's cash flow rather than your W-2 income.
This page tracks dscr loan pricing for real estate investors qualifying on rental income, who typically qualify with 20-25% down. As a licensed Florida mortgage broker (NMLS# 1859012), we compare lenders to find the real rate for your scenario.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed ★ | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| VA 30-Year Fixed | 6.375% | 6.511% | 0.0 |
| USDA 30-Year Fixed | 6.500% | 7.089% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| 5/1 ARM | 6.125% | 6.887% | 0.0 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
What sets DSCR Loan rates
DSCR rates price above owner-occupied loans because they qualify on the property's cash flow rather than your W-2 income. That makes a direct rate comparison across programs misleading unless you also account for mortgage insurance, fees, and down payment.
For real estate investors qualifying on rental income, the headline rate is only part of the cost. We show you the full picture so you can compare a dscr loan against your other options honestly.
Who a DSCR Loan fits
A dscr loan is built for real estate investors qualifying on rental income. Qualifying usually means 20-25% down, plus the credit and income documentation the program requires.
We confirm whether this program is genuinely your lowest-cost path or whether another loan would serve you better before you commit.
Locking your DSCR Loan rate
Once you are pre-approved and under contract, we lock your dscr loan rate and manage the file to closing. We watch pricing daily and time the lock to the market.
Rates move with economic data and Fed policy, so the right lock window matters as much as the right lender.
Frequently asked questions
What are dscr loan rates in Florida?
DSCR Loan rates in Florida are in the high-6% range for a 30-year fixed right now. DSCR rates price above owner-occupied loans because they qualify on the property's cash flow rather than your W-2 income.
Who qualifies for a dscr loan in Florida?
A dscr loan is designed for real estate investors qualifying on rental income, typically with 20-25% down. We confirm your eligibility quickly.
Is a dscr loan my cheapest option?
Not always. The lowest headline rate is not always the lowest total cost once insurance and fees are counted. We compare every program for you.
How do I lock this rate?
After pre-approval and a signed contract, we lock your rate for 30 to 60 days and time it to the market.
Are you a licensed Florida broker?
Yes, Mortgage Capital, NMLS# 1859012, a licensed Florida mortgage broker serving all 67 counties.