DSCR Loans in Florida

No Taxes

No 1099

No W2s

Secure fast, transparent financing for your Florida investment properties based on property cash flow, not personal income.

Get fast, transparent DSCR loans for your Florida rental properties based on cash flow, not personal income.

The Florida Investment Dream: DSCR Loans

Debt Service Coverage Ratio (DSCR) loans represent a modern, non-traditional financing solution rapidly gaining traction among savvy real estate investors. Unlike conventional mortgages, these loans pivot the focus from an investor's personal income to the inherent income-generating potential of the investment property itself. This fundamental shift caters directly to the needs of today's dynamic real estate landscape, particularly in high-growth markets.


Florida stands out as an exceptionally prime market for real estate investment. The state is experiencing robust population growth, fueling consistently high demand for rental properties, and boasts a business-friendly environment with significant economic diversity. The continuous influx of new residents, coupled with a thriving tourism sector, creates a fertile ground for income-producing properties, making the state a magnet for investors seeking stable returns and appreciation.

Florida investment and financing challenges

Florida real estate market is buzzing with opportunity

  • Complex Documentation? "Receiving files of up to 100 pages to sign, leading to uncertainty and fear of overlooking critical details."

  • Rigid Lender Requirements? Lenders often demand strict "seasoning" periods or inflexible terms that don't fit your agile investment strategy.

  • Lack of Transparency? Comparing loan products, understanding hidden costs, and assessing risks can feel like a guessing game.

  • Slow Approval Processes? Lengthy formal financing procedures delay your projects, causing you to miss out on profitable deals in Florida's fast-paced market.

  • High Personal Income Focus? Traditional lenders prioritize your personal DTI, making it harder to scale your portfolio as an investor.

Investment property solutions

Your Simplified Solution: DSCR Loans Florida for Stress-Free Investing

Imagine securing financing where your property's potential is the star, not your personal income. That's the power of DSCR Loans. At [Your Company Name], we specialize in connecting Florida investors with these innovative cash flow based loans, designed to cut through the complexity and focus on what truly matters: your property's ability to generate income.

Why DSCR Loans are the Game-Changer for Florida Real Estate Investors:

  • Focus on Property Cash Flow: Approval is based on your property's projected rental income (DSCR ratio), making it ideal for rental property investors Florida.

  • Potentially Faster Closings: Our streamlined process aims for quick approvals and closings, allowing you to move fast in the competitive Florida market. This is fast closing investment property financing.

  • Flexible "Seasoning" Options: We find lenders who understand your timeline, including options with no seasoning requirements for cash-out refinances.

  • Versatile Property Types: From single-family rentals to investment condos Florida and even short-term rentals, DSCR loans are incredibly adaptable.

Your Simple 3-Step Journey to a Florida DSCR Loan

Step 1

Free Consultation & Strategy Session

Connect with our DSCR loan experts Florida to discuss your investment goals and property details. We'll assess your needs and identify the best loan options.

Step 2

Streamlined Application & Lender Match

We guide you through the minimal documentation requirements, help calculate your projected DSCR ratio, and match the most favorable offer and terms for your specific needs.

Step 3

Fast Approval & Funding

Our efficient process accelerates underwriting and closing, ensuring you secure your DSCR loan quickly. Capitalize on Florida real estate investment opportunities without delay!

DSCR loans are a game-changer for a diverse range of real estate investors in Florida

DSCR Loan is Right for Your Florida Investment Strategy

  • Passive Investors: Looking to build wealth through rental income without the hassle of proving personal income.

  • Experienced Landlords: Expanding their portfolio and needing flexible financing that scales with their growth.

  • LLC & Corporate Entities: Seeking financing that aligns with their business structure and offers asset protection.

  • Out-of-State Investors: Discovering opportunities in Florida's hot market and needing a simple, non-QM loan solution.

  • Foreign Investors: Navigating Florida's unique regulations (e.g., SB 264) and seeking compliant financing for rental properties.

  • Flippers/Rehabbers (for Refinance): Looking to refinance investment properties post-rehab to pull out cash or secure long-term debt.

How To Calculate The DSCR

Step 1: Calculate Gross Rental Income

To determine your gross rental income, we use the lesser of two amounts: the annual rental income specified in your lease agreement or the amount listed on the appraiser’s comparable rent schedule (Form 1007). Alternatively, if you can provide a 12-month history of long-term rental (LTR) or short-term rental (STR) income, you may qualify using that income instead of the appraiser’s market rent.


Step 2: Calculate Annual Debt

Your annual debt, for loan qualification purposes, includes the total yearly payments for principal, interest, taxes, insurance, and HOA fees (if applicable).


Formula: Annual Debt = Total Annual PITI Payments.


Step 3: Determine Your DSCR

Divide your annual gross rental income by your annual debt to calculate your Debt Service Coverage Ratio (DSCR).

DSCR loan information for real estate investors at Commercial Loans Florida, Inc. highlighting flexible financing options.

Example of Debt Service Coverage Ratio Calculation

A real estate investor might evaluate a property with a gross rental income of $62,500 and an annual debt of $50,000. Dividing $62,500 by $50,000 results in a Debt Service Coverage Ratio (DSCR) of 1.25.

This means the property generates 25% more income than is necessary to cover the loan payments, indicating a 25% return on investment (ROI) in terms of cash flow from the lender's perspective.

The ideal is 1.2 the higher the better for your interest rate. However, we go as low as 0.75 DSCR Factor.

DSCR Program Overview

  • Loan size: $150,000 to $2,000,000

  • Purpose: Purchase, Refinance, Cash Outs

  • Loan term: 30-Year Fixed

  • Amortization: up to 30 years

  • LTV: up to 80%

  • FICO:

  • SFR: 660 / 2-4 Family: 680

  • DSCR: 0.75x

  • Documentation: No tax returns required

DSCR Loan is Right for Your Florida Investment Strategy - DSCR qualification requirements

WE CAN DO DSCR LOANS IN THE FOLLOWING STATES

Alabama, Arkansas, Colorado, Connecticut, Washington DC, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, Wyoming

Portfolio loans are now available!

We can help your business achieve the simplification and scale it needs by offering options to consolidate or restructure payments in a way that best serves your goals.

  • Min of 3 SFR/2-4-unit properties and $500,000 loan amount

  • Max of 25 properties may be combined into 1 loan

  • Min unit value: $100,000

  • Max loan size: $6,250,000 total

  • Min loan size: $500,000 total

  • Max LTV: Purchase – 80% / Refi – 75%

Commercial Loans Florida, Inc. logo illustrating DSCR loans for real estate investors in Florida
Commercial Loans Florida, Inc. logo showcasing flexible commercial loan options for Florida businesses.
Commercial Loans Inf Florida We are your Perfecct Commercial Lender

© 2025 Commercial Loans Florida, Inc. - All Rights Reserved.

727-642-1166


This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.