DSCR Rental LoansDSCR Rental Loans in Florida
Qualify on the property's rental income, not your personal tax returns. MortgageHouz shops your DSCR deal across five top Non-QM and wholesale investor lenders to match your rental income, property type, and goals to the program with the best rate and leverage.
Get matched to the right Florida program
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DSCR Loans Programs for Florida
One broker, multiple lenders — matched to your deal, your documentation, and your timeline.
Standard DSCR
The go-to rental loan for most investors. Rent covers the payment, credit and reserves round out the file, and you close without a single tax return.
No-Ratio DSCR
For high-value, low-yield markets where rent doesn't fully cover the payment. Cash flow isn't used to qualify at all — the deal still closes.
High-Leverage DSCR
Built for high-credit investors who want to preserve capital and scale faster. Lowest down payment in the DSCR lineup for well-qualified files.
Short-Term Rental DSCR
Qualify using third-party short-term rental income projections instead of a signed lease — built for vacation and Airbnb-style properties.
Jumbo DSCR
For larger rental properties and premium markets where standard DSCR loan limits fall short. Sharpened pricing on bigger balances.
| Key Stat | Range / Term | Min FICO | |
|---|---|---|---|
| Standard DSCR | 1.0x Min DSCR | 80% Max LTV | 620 |
| No-Ratio DSCR | N/A Min Ratio | 70% Max LTV | 660 |
| High-Leverage DSCR | 15% Down Payment | 85% Max LTV | 700+ |
| Short-Term Rental DSCR | 1.0x Min DSCR | 80% Max LTV | 640 |
| Jumbo DSCR | $4.5M Max Loan | 75% Max LTV | 700 |
DSCR Loans Across Florida
Mortgage Houz (NMLS #2755375) works with borrowers throughout Florida — from Miami and Orlando to Tampa and Jacksonville — matching each file to the dscr loans program with the best rate, leverage, and documentation path for their scenario.
Whether you're in Miami or near Orlando, our licensed specialists shop your file across our lender network so Florida borrowers get the program built for how they actually earn, own, or invest.
Built for Florida Borrowers Like You
Self-Employed & Business Owners
Your write-offs make your tax returns look thin. DSCR loans skip personal income entirely — the property qualifies on its own.
Growing Portfolio Investors
No cap on how many financed properties you can hold, unlike conventional financing. Scale past the point conventional DTI limits stop you.
Short-Term Rental Owners
Financing an Airbnb or VRBO used to be difficult. Today it's a standard product, qualified on projected short-term rental income.
LLC & Entity Investors
Vest in an LLC for liability protection and portfolio structure — most DSCR programs allow it without hesitation.
First-Time Investors
No landlord experience required on most programs. Compensating strength elsewhere — credit, reserves, down payment — can offset a first deal.
Cash-Out Refinance Investors
Tap the equity in a property you already own to fund your next acquisition, with reasonable seasoning requirements.
Florida DSCR Loans FAQs
Does a DSCR loan in Florida require tax returns? +
No. DSCR loans in Florida qualify on the subject property's rental income relative to its mortgage payment — no W-2s, tax returns, or personal income verification of any kind.
What's the minimum credit score for a DSCR loan in Florida? +
It depends on the program: Standard DSCR starts at 620, No-Ratio DSCR at 660, and Short-Term Rental DSCR at 640. Jumbo DSCR requires 700+.
Can I close a DSCR loan in Florida in an LLC? +
Yes. LLC, trust, and corporate vesting are accepted across all five Florida DSCR programs for portfolio and liability structuring.
Is there a limit to how many DSCR loans I can have in Florida? +
No. Unlike conventional financing, DSCR programs don't cap the number of financed properties you can hold, so you can keep scaling your Florida portfolio.
Can I finance an Airbnb or VRBO property in Florida with a DSCR loan? +
Yes — the Short-Term Rental DSCR program qualifies using third-party projected short-term rental income instead of a signed 12-month lease.
Ready to get started in Florida?
Get matched to the right program in minutes — no hard credit pull.
Call (321) 201-0436