Loan Guide
DSCR Loans for Florida Rental Investors
Investor loans qualified on the property's rent instead of your personal income.
What to know
- Lenders compare monthly rent to the full payment (DSCR = rent ÷ payment).
- Many lenders look for a ratio of about 1.0 or higher; terms vary.
- Larger down payments and higher rates than owner-occupied loans are typical.
- Can often close in an LLC.
Questions buyers ask
- How is DSCR calculated?
- Monthly rent divided by principal, interest, taxes, insurance and HOA. Try it in our lender tools.
Official figures: CFPB: understanding loan options. General information, not lending advice — confirm terms with a licensed loan officer.