DSCR Loans Florida
1–4 unit residential properties, $1M max loan amount, close in 14 days.
DSCR Loans in Florida
Debt Service Coverage Ratio loans qualify based on rental income vs. debt obligations. Perfect for landlords and investors building rental portfolios in Florida.
- 660+ mid credit score required
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
Airbnb Rental Loans in Florida
Designed for short-term rental investors. Qualification is based on credit and property value, not DSCR or projected Airbnb rents.
- 650+ mid credit score required
- 75% loan-to-value
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
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 |
Frequently Asked Questions – Florida
1. What properties qualify for DSCR loans in Florida?
Only 1–4 unit residential properties, $1M max loan amount, no rural properties.
2. Do DSCR loans in Florida require tax returns?
No. Qualification is based on rental income coverage, not personal income or tax returns.
3. How fast can DSCR loans close in Florida?
Typically within 14 days.
4. What is the minimum credit score for DSCR loans in Florida?
660+ mid credit score is required.
5. Do Airbnb rental loans in Florida use DSCR or Airbnb rents?
No. Airbnb rental loans qualify based on credit and property value only.
6. What is the minimum credit score for Airbnb rental loans in Florida?
650+ mid credit score is required.
7. What is the maximum LTV for Airbnb rental loans in Florida?
75% loan-to-value.
8. Are DSCR or Airbnb loans available in rural areas of Florida?
No. These programs do not lend in rural areas.
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