Florida DSCR Loans Cash-Flow Based Rental Property Financing

Florida DSCR loans allow investors to qualify based on rental income rather than personal tax returns.

FloridaHardMoney.com connects investors statewide with private lenders and the HMO Investor Network for fast DSCR approvals. These loans are ideal for Miami condos, Orlando Airbnbs, Tampa rentals, Jacksonville duplexes, and high-demand Gulf Coast markets.

Fast approvals through the HMO Investor Network

Why Florida Investors Choose DSCR Loans

  • No tax returns required
  • LLC purchases allowed
  • Works for short-term & long-term rentals
  • 30-year fixed or ARM options
  • Fast approvals (48–72 hours)

DSCR Basics — How It Works

DSCR Formula:

DSCR = Rental Income ÷ Monthly Payment

DSCR ≥ 1.00 – Preferred
DSCR 0.80–0.99 – Accepted with pricing adjustments
DSCR 1.20+ – Qualifies for premium pricing

Short-term rentals may use:
  • Market rents
  • AirDNA income projections
  • Historical STR income when available

Eligible Florida Rental Properties

  • Single-family rentals
  • Condos & townhomes
  • Duplex, triplex, quadplex
  • Small multifamily (5–20 units)
  • Non-warrantable condos
  • Condo-hotel units (case-by-case)
  • Short-term rentals (Airbnb / VRBO)
  • Long-term stabilized rentals

Investor Profile — Who DSCR Loans Are For

  • Full-time investors
  • Self-employed borrowers
  • Investors with tax write-offs
  • STR / Airbnb operators
  • Portfolio investors buying in LLCs
  • Out-of-state investors expanding in Florida

Typical DSCR Loan Terms

Loan Amounts

$75,000 – $5,000,000

Purchase LTV

Up to 80%

Cash-Out Refinance LTV

Up to 75%

Loan Structure

30-year fixed or ARM

Closing Speed

10–21 days

Payments

Interest-only

Documentation

Minimal required

High-Activity Florida DSCR Markets

Strong DSCR performance across:

  • Miami
  • Orlando
  • Tampa
  • Jacksonville
  • Fort Lauderdale
  • Naples
  • Sarasota
  • Gulf Coast STR regions

Bridge Loan to DSCR Refinance Path

Ideal for value-add rentals, STR rehabs, and off-market deals.

  • Acquire quickly using a bridge loan
  • Renovate or stabilize rents/STR performance
  • Refinance into long-term DSCR financing

How DSCR Loan Scenarios Are Reviewed

Reviewed through the HMO Investor Network.

  • Rental income projections
  • Market or STR rents
  • Property condition
  • Lease terms (if applicable)
  • Borrower experience
  • DSCR strength
  • Location demand

Ready to Finance Your Rental Property?

Submit your Florida DSCR loan scenario today to receive fast rental financing options.

Submit Your Deal Now

FloridaHardMoney.com is not a direct lender. Scenarios may be reviewed by private lenders within the HMO Investor Network.