DSCR Loans in Florida
Qualify on property cash flow — not personal income
What is a DSCR Loan?
Florida's rental market combines strong population growth, year-round tourism, and demand for both long-term and short-term rentals. Investors in Miami, Orlando, Tampa, and Jacksonville use DSCR financing to qualify on property cash flow rather than personal income. Investor1st Funding sources DSCR loans for Florida investors acquiring or refinancing 1–4 unit rental properties.
How DSCR qualification works:
DSCR (Debt Service Coverage Ratio) = Monthly Rental Income ÷ Monthly Loan Payment. A DSCR of 1.0 means the property exactly covers its debt. We typically require a minimum DSCR of 1.0, and stronger ratios may qualify for better rates.
Loan Parameters
- Loan amounts: $75,000 – $2,000,000
- Up to 80% LTV on purchase
- Up to 75% LTV on refinance
- Standard DSCR: 1.0; zero-ratio options subject to review
- Terms: 30-year fixed, 5/1 ARM, 7/1 ARM available
- No personal income verification
- No limit on number of financed properties
- Credit scores as low as 620 considered
- Short-term rental (Airbnb/VRBO) income considered
Florida Markets We Serve
We package DSCR rental financing inquiries across Florida for capital-partner review. Share the property's income and details; financing is subject to partner underwriting and approval.
Who This Is For
Self-employed investors, portfolio builders, investors with multiple financed properties, and anyone who cannot qualify through traditional lending due to income documentation.
Self-Employed Investors
No W-2 or tax return required. Qualify on the property's performance.
Portfolio Builders
No limit on the number of financed properties. Scale without restrictions.
Short-Term Rental Owners
Airbnb and VRBO income accepted for DSCR qualification.
Out-of-State Investors
Invest in strong-yield markets without geographic restrictions.
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If you're buying to renovate and sell, our fix and flip hard money loans may be the right fit.
Fix & Flip Loans in Florida