Scale your Florida investment portfolio without your personal income being the bottleneck. DSCR loans qualify based on the property's rental income — not your tax returns, pay stubs, or employment status.
DSCR = Gross Monthly Rent ÷ Total Monthly Payment (PITIA). A ratio of 1.0 means the rent exactly covers the payment; 1.25 means rent exceeds the payment by 25%. Most programs accept DSCR as low as 1.0, with some no-ratio programs available.
DSCR loans cover the full range of 1–4 unit residential investment properties across Florida. Short-term rental income is increasingly accepted with market analysis support.
DSCR loans require a minimum of 15% down for single-family properties and 25% for 2–4 units. Loan amounts are available up to $3M+ on strong DSCR profiles.
DSCR underwriting is based entirely on the property's income performance. You submit no tax returns, no W-2s, and no pay stubs. This dramatically simplifies the process for self-employed investors and portfolio builders.
We analyze the target property's expected rent versus the projected mortgage payment to calculate DSCR before you even apply. This tells you exactly what down payment or loan amount makes the math work.
DSCR applications are lean — credit, property details, entity docs if using an LLC, and asset statements for down payment. No income documentation. We get the file moving fast.
Our appraisal order includes a 1007 Rental Survey to establish market rent. This is the core of DSCR qualification — and we use our preferred appraiser panel to keep turnaround fast.
Most DSCR loans close in 14–21 days. We coordinate with your property management company or tenant if a lease is already in place. You close, the property cash flows, and you're ready to find the next deal.
No income docs. No DTI limits. Let the property qualify itself.