Florida DSCR Loans
1–4 unit residential properties | $75k–$1M | Close in 14 days | Tenant-occupied
DSCR loans (Debt Service Coverage Ratio loans) allow Florida real estate investors to qualify for rental property financing based on projected rental income instead of personal income.
Our programs are ideal for long-term rental investors and portfolio acquisitions.
DSCR Loan Eligibility – Florida
- 660+ mid credit score
- $75,000 minimum loan amount
- 1–4 unit residential properties only
- Single-family homes must be tenant-occupied
- 3 months seasoning required to use full appraised value
- No rural properties
DSCR Loan Terms & Features
- Max Loan Amount: $1M
- Qualification based on rental income vs. debt
- No personal income documentation required
- Closings as fast as 14 days
Florida Loan Program Comparison
| Program | Credit Score | Property Type | Max Loan | LTV | Timeline | Notes |
|---|---|---|---|---|---|---|
| DSCR Loans Florida | 660+ | 1–4 unit residential | $1M | Based on DSCR | 14 days | No rural properties |
| Airbnb Rental Loans Florida | 650+ | 1–4 unit residential | $1M | 75% | 14 days | No DSCR, no Airbnb rents |
Helpful DSCR Resources
Frequently Asked Questions – Florida
What properties qualify for DSCR loans in Florida?
Only 1–4 unit residential properties, $1M max loan amount, no rural properties. Single-family homes must be tenant-occupied.
Do DSCR loans in Florida require tax returns?
No. Qualification is based on rental income coverage, not personal income or tax returns.
How fast can DSCR loans close in Florida?
Typically within 14 days.
What is the minimum credit score for DSCR loans in Florida?
660+ mid credit score is required.
Do Airbnb rental loans in Florida use DSCR or Airbnb rents?
No. Airbnb rental loans qualify based on credit and property value only.
What is the minimum credit score for Airbnb rental loans in Florida?
650+ mid credit score is required.
What is the maximum LTV for Airbnb rental loans in Florida?
75% loan-to-value.
Are DSCR or Airbnb loans available in rural areas of Florida?
No. These programs do not lend in rural areas.
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