Investment Property Mortgage in Florida

Qualify on the rent, not your paystub — DSCR loans built for Florida rentals.

Non-owner

Occupancy

20%–25%

Min Down

Rent / DSCR

Qualify On

Strong rental

Florida

Call Now

Get Pre-Approved in Investment Property

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Investment Property · Florida

Investment Property Mortgage From a Florida Mortgage Broker

An investment property is a non-owner-occupied rental, and the standout option is a DSCR loan that qualifies on the property's rent instead of your personal income. That makes scaling a Florida portfolio far simpler.

DSCR loans look at whether the rent covers the mortgage payment — no tax returns or paystubs required — which suits self-employed investors and anyone with several properties. Conventional investor loans are also available with full documentation. Either way, expect 20% to 25% down and reserves; the better the cash flow and credit, the better the rate.

Florida's rental demand makes DSCR especially powerful here. We shop DSCR and conventional investor lenders so the down payment and rate fit your numbers and you can keep buying.

Investment Property at a Glance

✓DSCR loans qualify on rent, not personal income.

✓No tax returns or paystubs on DSCR financing.

✓Down payments of 20%–25% with reserves.

✓Conventional investor loans also available.

Go deeper on financing a investment property: Investment Property Loan Requirements · How to Finance a Investment Property · FHA Investment Property Loan · Conventional Investment Property Loan · DSCR Investment Property Loan.

Investment Property Snapshot

OccupancyNon-owner

Min Down20%–25%

Qualify OnRent / DSCR

FloridaStrong rental

How It Works

Apply Online

5 min · soft credit pull only

Match Loan

We shop lenders for the property

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Investment Property Questions

What is a DSCR loan for an investment property?

A DSCR loan qualifies on the property's debt-service-coverage ratio — whether the rent covers the mortgage — instead of your personal income. No tax returns or paystubs. It is ideal for self-employed investors and portfolio builders. We shop DSCR lenders for Florida rentals.

How much down for an investment property in Florida?

Typically 20% to 25%, whether you use a DSCR or conventional investor loan, plus cash reserves. Stronger cash flow and credit lower your rate. We structure the down payment to hit the best pricing tier.

Keep Going

Investment Property Loan Requirements How to Finance a Investment Property FHA Investment Property Loan Conventional Investment Property Loan DSCR Investment Property Loan All Property Types Apply for Pre-Approval

Financing a Investment Property?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

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.