DSCR loans for Florida investors
DSCR Loan in Florida
DSCR loans let a Florida rental property qualify on the income it produces. No W2, no tax returns, no personal debt-to-income calculation. Answer a few questions and a licensed loan officer will tell you what the property can support.
- Licensed Florida mortgage broker · NMLS# 1859012
- Non-QM, DSCR and bank statement specialists
- No tax returns required on these programs
- A licensed loan officer replies, not a call center
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What kind of property is it?
DSCR guidelines differ by property type, and short-term rentals price differently.
What this program does
No tax returns
The property qualifies on its rental income, so your personal returns stay out of it.
Your DTI is not the test
Debt-to-income is not calculated the way it is on a conventional loan.
Entity vesting is normal
Closing in an LLC is standard on these programs rather than an exception.
Portfolio investors welcome
There is no conventional cap on the number of financed properties.
Common questions
- What is a DSCR?
- Debt service coverage ratio: the property’s rental income divided by its total mortgage payment including taxes, insurance and any HOA. Lenders set their own minimum, and the ratio your file needs depends on the program and the property.
- Do I need tax returns?
- No. That is the point of the program. A lender will still verify identity, assets for the down payment and reserves, and the rent, but personal income documents are not part of the file.
- Can I close in an LLC?
- Yes, and most investors do. Tell the loan officer at the first call so the file is set up that way from the start.
- Does a short-term rental count?
- On many DSCR programs yes, usually documented with a rental history or a market projection. Which lenders accept it depends on the county and the property, which is what the call is for.
Want the long version? Read the full dscr / rental property guide.