DSCR Loans in Florida 2025 : The Investor's guide to easy approval.

Are you an investor looking to finance cash-flowing properties in Florida—without the headaches of traditional income verification? DSCR loans (Debt Service Coverage Ratio loans) are your secret weapon for building wealth in 2025.

Airbnb properties with stunning views.

What is a DSCR Loan?

A DSCR loan is designed for real estate investors who want to qualify based on a property’s cash flow—not their personal income. Instead of tax returns or pay stubs, lenders look at whether your rental income covers the mortgage and expenses. Even if the rents fall a little short, there may still be options.

Why Does This Matter?

Many investors have complex finances, multiple income streams, or just want to keep things private. DSCR loans let you leverage the strength of your portfolio—no need to jump through hoops.

Why Florida Investors Love DSCR Loans

Florida is a hotspot for real estate investment, and DSCR loans are a perfect fit for:

• Multi-family and single-family rental properties

• Short-term rentals and Airbnb investments

• Investors looking to scale up quickly

Minimum credit score: 620 (660+ preferred for better rates).

If your score is close but needs a boost, I have tools to help get you there.

What is LTV (Loan-to-Value) and Why Does It Matter?

LTV—Loan-to-Value ratio—is simply the value of the property compared to how much you’re borrowing from the bank. The lower your LTV (meaning, the bigger your down payment), the better your rates and terms. Why? The bank figures that someone with more skin in the game is less likely to default.

• Max LTV on a DSCR is 85%—so you guessed it, that’s 15% down.

• Depending on your profile, the bank might require a larger down payment. Factors include property condition, location, type, your experience, market trends, and of course, credit.

• You can always put down more if you want, but keep in mind some banks won’t lend under a certain amount (for example, no loans under $150K).

Property types: SFR (Single Family Residence), multifamily, condo, townhome, and commercial.

How Do DSCR Loans Work?

• Qualification: Lenders use the property’s DSCR (Net Operating Income ÷ Debt Payments). A DSCR of 1.0+ means the property pays for itself. (If your calculation is less than 1, don’t worry—we can often still make it work.)

• Example: Buy a $500,000 property, borrow $400,000—your LTV is 80%. If your monthly payment (including taxes, insurance, HOA) is $4,000 and you collect $4,000 in rent, you’re golden. That’s a 1.0 DSCR—the property covers its debts.

• No personal income or employment checks: The focus is on the asset, not your paychecks.

• Documentation: Credit report, proof of down payment, lease/rental history, property appraisal. No proof of funds needed for refinances.

Who Should Consider a DSCR Loan?

• Investors with strong rental properties but non-traditional income

• Self-employed buyers who want to skip tax return paperwork

• Out-of-state or international investors

• Anyone looking to scale their portfolio quickly

Real Stories: How I Helped Investors Secure a DSCR Loan

Recently, I worked with a first-time Miami investor who was denied by traditional banks due to fluctuating income. With a DSCR loan, we qualified him using only his rental cash flow—he closed on a $750K duplex, no tax returns needed!

Another client wanted to cash out on his tenant-occupied commercial warehouse. We used the business’s rental payments to get him a 35% cash-out and pay off a seller-financed mortgage. DSCR loans are a great tool in all kinds of situations.

What Makes My Approach Different?

• Expertise in Complex Loans: I specialize in tough deals—bank statement, no-ratio, CPA P&L, DSCR, and more. If there’s a way to get it done, I’ll find it!

• Fast, Honest Communication: I actually answer the phone, return missed calls, and reply to texts. No one wants to be anxious when money’s on the line. (Forgive the 2 AM email updates!)

• Transparent Guidance: I’ll walk you through credit optimization, down payment strategies, and the entire process.

Ready to Get Started?

We offer business-purpose lending—investment property loans like DSCRs and more—all across the US (yup, all 50 states). Have a deal you want to discuss? Let’s talk!

Call or text me at 786-657-6458 or email Kerby@truebluelending.net

Solid strategy, expert opinion, and clarity—to close deals others can’t.