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DSCR Duplex Loan in Florida

A DSCR loan finances a duplex on the property's rental income instead of your paystubs — ideal for investors. Here is how DSCR works on a duplex in Florida.

2
Units
From 3.5%
Owner-Occ Down
Counts
Rental Income
House-hack
Florida
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Duplex · DSCR

DSCR Duplex Loan in Florida

DSCR financing qualifies a duplex on its debt-service-coverage ratio — whether the rent covers the mortgage — with no tax returns or income docs. Expect 20%-25% down and reserves. For investors building a Florida portfolio, DSCR on a duplex removes the personal-income bottleneck. We shop DSCR lenders to fit the cash flow.

A duplex is the classic house-hack: live in one unit, rent the other, and the lender lets you count that rental income to qualify. As a primary residence, a duplex still gets low-down owner-occupied financing.

Owner-occupied, a two-unit property qualifies for FHA at 3.5% down, conventional at 5%, and VA at $0 down for eligible buyers — and the projected rent from the second unit can offset the payment in your debt ratio. As a pure investment, expect 20%-25% down with DSCR or conventional investor financing.

We structure the duplex loan around how you will use it. For house-hackers we maximize the rental-income credit; for investors we lean on DSCR so the property's cash flow carries the approval.

Duplex at a Glance

✓Owner-occupied FHA from 3.5% down on two units.
✓Projected rent from the second unit helps you qualify.
✓VA $0 down available for eligible buyers.
✓Investor purchase: DSCR or conventional, 20%–25% down.

Read the full duplex financing guide, or compare other angles: Requirements · Financing Guide · FHA · Conventional.

Duplex Snapshot
Units2
Owner-Occ DownFrom 3.5%
Rental IncomeCounts
FloridaHouse-hack
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

DSCR Duplex Loan Questions

Can I use a DSCR loan for a duplex?

If the duplex is a rental that cash flows, yes. DSCR qualifies on the property's rent rather than your income, with 20%-25% down. It is the go-to for Florida investors, and we shop DSCR lenders to match the numbers.

Can I use rental income to buy a duplex?

Yes. When you live in one unit, lenders count a portion of the projected market rent from the other unit toward your qualifying income, which can meaningfully raise what you can afford. We document the rent properly so it counts.

What down payment do I need for a duplex?

If you live in it, FHA allows 3.5% down, conventional 5%, and VA $0 for eligible buyers. As a pure investment, expect 20% to 25% down via DSCR or conventional investor loans. Occupancy decides the number.

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Duplex GuideDuplex · RequirementsDuplex · Financing GuideDuplex · FHADuplex · ConventionalAll Property TypesApply for Pre-Approval

DSCR Duplex Loan?

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Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.