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DSCR Refinance · Rates

DSCR Refinance Rates in Florida

DSCR Refinance rates in Florida shift daily with the market and with your credit, equity, and loan size. Here is what drives the rate and how a broker gets you the lowest one.

Rental income
Qualifies On
None
Income Docs
75-80%
Max LTV
Investors
Florida
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5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
DSCR Refinance · Rates

DSCR Refinance Rates in Florida

Your dscr refinance rate is set by your credit score, loan-to-value, loan size, and the day's market — not by any single lender's rate sheet. As a broker we shop multiple lenders against each other for the same file, which is how the same borrower ends up with a lower rate than a single bank would quote. We lock when the timing favors you.

A DSCR refinance qualifies a Florida rental on its debt-service-coverage ratio — whether the rent covers the mortgage. There are no tax returns, no pay stubs, and no personal income documentation at all.

DSCR is built for investors whose write-offs make their reported income too small for conventional underwriting. If the property's rent covers (or exceeds) the proposed payment, it qualifies — typically at 75-80% loan-to-value with reserves.

This is how portfolio investors refinance without their personal income becoming the bottleneck. We shop DSCR lenders to fit the property's cash flow and keep the rate and prepayment terms in your favor.

DSCR Refinance at a Glance

✓Qualify on the rent-to-payment ratio, not your income.
✓No tax returns, pay stubs, or W-2s required.
✓Typically 75-80% LTV with documented reserves.
✓The go-to refinance for scaling Florida investors.

Read the full dscr refinance guide, or explore: Requirements · Calculator · Guide.

DSCR Refinance Snapshot
Qualifies OnRental income
Income DocsNone
Max LTV75-80%
FloridaInvestors
How It Works
01
Apply Online
5 min · soft credit pull only
02
Break-Even Check
We confirm the savings beat the cost
03
Processing
Our team handles paperwork
04
Close
Typically 21–30 days
FAQ

DSCR Refinance Questions

What rate can I get on a dscr refinance?

Your dscr refinance rate depends on your credit, equity, loan size, and the market that day. We shop several lenders for your exact file and quote real numbers rather than teaser rates, then time the lock in your favor.

How does a DSCR refinance work?

It qualifies your rental on its debt-service-coverage ratio — the rent divided by the proposed mortgage payment. A ratio at or above 1.0 generally qualifies with no personal income documentation. We confirm the property's ratio and shop DSCR lenders.

What DSCR do I need to refinance a Florida rental?

Most lenders want a ratio of at least 1.0, meaning rent covers the payment; the best pricing comes above 1.25. Some lenders allow ratios slightly below 1.0 with compensating factors. We match your property to the right lender.

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DSCR Refinance Rates?

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(561) 300-0380

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