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DSCR Loans in Florida

What Florida investors should know, with county data and city pages.

Investors in Florida use DSCR financing to buy and refinance one- to four-unit rentals without leaning on personal income paperwork. The loans are usually business-purpose, often vested in an LLC, and priced according to the property's rent, your credit and the cash you bring. Local tax bills and insurance quotes in Florida feed directly into the ratio, so gather realistic figures for each address you are considering and ask how each lender documents rent.

Questions about DSCR loans in Florida?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Florida landlord-tenant law: Florida Statutes Chapter 83, Part II. Part II of Chapter 83 is Florida's residential landlord-tenant law, covering rent, deposits, landlord maintenance duties, access, and termination. Leases you show a lender should follow it.

Where the numbers point in Florida

Counties with the most investment-property purchase loans (2024):

CountyInvestment-property purchase loans (2024)
Miami-Dade County3,323
Broward County2,112
Orange County1,893
Osceola County1,780
Lee County1,664
Palm Beach County1,626
Polk County1,488
Pinellas County1,403
Hillsborough County1,356
Duval County1,334
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

DSCR Loans by city in Florida

Common questions

Can I take title in an LLC?

Many DSCR lenders allow it, and some prefer it. You will usually provide the articles of organization, the operating agreement and an EIN letter, and the members often sign a personal guaranty. Whether an LLC makes sense for your liability, taxes or estate plans is a separate question, so talk to a tax professional or attorney before you choose how to hold the property.

Can I move into a property financed with a DSCR loan?

DSCR loans are made for investment property, meaning a home that is rented or held for income. They are not for a home you live in. If your plans change, talk with your loan officer about refinancing into the right kind of loan. Misrepresenting occupancy on a loan application is mortgage fraud, so describe your plans for the property honestly from the start.

Can a DSCR loan finance a two- to four-unit property?

Many programs cover one- to four-unit residential properties, so a duplex, triplex or fourplex is often eligible. The appraiser estimates rent for each unit, and the lender adds them together for the ratio. Buildings with five or more units use commercial financing, which is a different category. Ask the loan officer how they treat a vacant unit in a multi-unit property.

Other investor loans in Florida

DSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansInvestor bridge loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

DSCR Loans overview · Florida investor loan overview

  • 2024 HMDA data, investment-property occupancy
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