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DSCR Multi-Family Loan in Florida

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

5+
Units
Commercial / DSCR
Loan Type
20%–30%
Down
Cash-flow driven
Florida
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NMLS# 1859012 · Equal Housing Lender
Multi-Family · DSCR

DSCR Multi-Family Loan in Florida

DSCR financing qualifies a multi-family 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 multi-family removes the personal-income bottleneck. We shop DSCR lenders to fit the cash flow.

A multi-family property of five or more units crosses into commercial financing. Approval shifts away from your personal income and onto the building's net operating income and its ability to cover the debt.

These loans use DSCR (debt-service-coverage ratio) or commercial underwriting: the lender wants the property's income to exceed its mortgage payment by a comfortable margin. Down payments run 20% to 30%, terms are often shorter, and reserves matter. Your credit still counts, but the property's rent roll and expenses drive the decision.

We shop DSCR and commercial lenders for Florida multi-family, structuring the loan so the building's cash flow carries the approval and the down payment fits your capital.

Multi-Family at a Glance

✓Five or more units is commercial, not residential.
✓Qualified on the property's net operating income.
✓Down payments typically 20%–30%.
✓DSCR loans avoid personal income documentation.

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

Multi-Family Snapshot
Units5+
Loan TypeCommercial / DSCR
Down20%–30%
FloridaCash-flow driven
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 Multi-Family Loan Questions

Can I use a DSCR loan for a multi-family?

If the multi-family 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.

How do I finance a 5+ unit apartment building?

With a commercial or DSCR loan qualified on the building's income rather than your salary. Expect 20% to 30% down and a focus on net operating income and debt coverage. We shop DSCR and commercial lenders for Florida multi-family.

What DSCR do lenders want on multi-family?

Most want a debt-service-coverage ratio of at least 1.20–1.25, meaning the property earns 20%-25% more than its mortgage payment. A higher ratio improves your rate. We structure the deal to hit the target.

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Multi-Family GuideMulti-Family · RequirementsMulti-Family · Financing GuideMulti-Family · FHAMulti-Family · ConventionalAll Property TypesApply for Pre-Approval

DSCR Multi-Family Loan?

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(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.