Scale past conventional's limits
Conventional caps how many financed properties you can hold and drowns you in paperwork by property #5. DSCR looks at each deal on its own cash flow — portfolio size isn't the obstacle.
For Investors · Florida
DSCR loans — the property qualifies, not your paycheck.
South Florida rentals are a numbers business, and DSCR lending prices the deal on those numbers: if the rent covers the payment, the deal can finance — no W-2s, no tax returns, no personal debt-to-income calculation. It's how investors scale past the fourth or fifth property, when conventional lending starts saying no to even great deals.
- NMLS #1615071
- Licensed in Florida
- Pre-approvals in 24–48h
- English / Español
Plain English
What is a DSCR loan?
DSCR stands for debt-service coverage ratio: the property's rent divided by its full monthly payment (principal, interest, taxes, insurance, association dues). A ratio of 1.0 means the rent exactly covers the payment; above 1.0 it cash-flows. DSCR loans underwrite that ratio instead of your personal income — no tax returns, no employment verification, no DTI. Under current guidelines, ratios below 1.0 can still qualify with more equity, first-time investors are eligible (with a 1.0+ ratio and stronger credit), and title can vest in your LLC with a personal guarantee. It's investment-property financing shaped the way investors actually operate.
Close in your LLC
Title can vest in a U.S. LLC, partnership, or corporation with a personal guarantee — the asset-protection structure most Florida investors already use, without workarounds.
Short-term rental income
On top program tiers, projected short-term rental income (including AirDNA-supported analysis) can qualify the deal — relevant for Miami's vacation-rental zones. Ask before you assume; it's tier-specific.
First-time investors welcome
Buying your first rental? Current guidelines allow it with a DSCR of 1.00+ and stronger credit (700+). I'll run the numbers with you before you write the offer.
The honest fine print
DSCR investment loans carry a prepayment penalty (1–5 year options, and it can be bought down or out entirely) and typically need about 20–25% down — as little as 15% for the best-qualified under current guidelines. I price both structures so you choose with open eyes.
Beyond the box
Deal doesn't fit? Below-1.0 ratios, non-warrantable condos (with lower LTV caps), and foreign national investors all have paths under current guidelines — and when DSCR isn't the tool, private money often is.
FAQ
Straight answers
How does a DSCR loan work in Florida?
The lender divides the property's monthly rent by the full monthly payment (PITIA). At 1.0 or above, the property covers itself and qualifies on its own cash flow — your personal income and DTI are never calculated. Rent is documented by the appraiser's market-rent analysis or the actual lease.
Can I get a DSCR loan if the rent doesn't fully cover the payment?
Often, yes. Under current guidelines, ratios from 0.75 to 0.99 can qualify with more equity in the deal, and top tiers offer no-ratio options below that. The trade-off is a larger down payment — call with the address and rent number and I'll tell you where it lands.
Can I close in an LLC?
Yes — U.S. LLCs, partnerships, and corporations can hold title, with a personal guarantee from you as the individual. Layered structures (like an LLC owned by a trust) are also possible under current guidelines.
Do DSCR loans work for Airbnb / short-term rentals?
On top program tiers, yes — projected short-term rental income, including AirDNA-based analysis, can be used to qualify, even for first-time investors. City and county STR rules still apply, so verify the property's zoning before you count the income.
How much down do I need for a DSCR loan?
Typically 20–25% down; the best-qualified scenarios reach as little as 15% under current guidelines. Below-1.0 ratios, condos with non-warrantable features, and cash-out refinances all require more equity. Reserves of roughly 3–6 months of payments are standard.
Is there a prepayment penalty?
Yes — DSCR investment loans carry one, with 1-to-5-year options that step down over time, and it can be bought down or bought out entirely at closing. If you plan to flip or refinance quickly, tell me upfront and we'll structure the shortest or bought-out option.
Get Started
Have a deal to run? Send me the address and the rent.
Call, text, WhatsApp, or start the secure application — whichever feels easiest. Free consultation, no obligation, no hard credit pull to start.
- Phone(305) 492-2404
- Email[email protected]
- Office4960 SW 72nd Ave Suite 400
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET