Property cash flow qualification
The rental property's qualifying income is compared with its monthly housing obligation. Personal employment income is not the primary qualification method.
Florida real estate investor financing
DSCR Loans for Florida Investment Properties
Qualify using the property's cash flow, not personal income. No personal tax returns required.
- LLC vesting may be available
- Purchase, refinance, and cash-out options
- SFR, condos, townhomes, and 2-4 units
For non-owner-occupied, business-purpose investment properties only.
Local expertise.
Investor-focused solutions.
Built for Florida.
Florida DSCR mortgage brokerage
Finance the rental property based on the deal itself
A Florida DSCR loan can help real estate investors finance an income-producing residential property without qualifying through traditional employment income or personal tax returns. The central question is whether the property's qualifying rent supports its monthly housing obligation.
Bennett Capital Partners Mortgage Brokers evaluates each scenario across more than 100 wholesale, portfolio, and private lending relationships. We help investors compare structures for Florida purchases, refinances, cash-out transactions, LLC vesting, and specialized property types.
Review my property scenarioWhy investors use DSCR financing
A streamlined path for rental property financing
Program eligibility and final terms depend on the complete borrower and property profile.
No personal tax returns
Most DSCR programs do not require personal tax returns, W-2s, pay stubs, or employment verification. Property and asset documentation still applies.
Investor-friendly ownership
Eligible transactions may close in an LLC or other business entity, subject to entity documentation, ownership, and guaranty requirements.
Purchase, refinance, or cash out
Finance a new acquisition, replace existing debt, or access equity from an eligible Florida rental property.
DSCR calculator
Estimate the property's debt service coverage ratio
Residential DSCR programs commonly compare gross qualifying rent with the monthly principal, interest, taxes, insurance, and association dues. Use the calculator for an initial estimate.
Gross monthly rent÷Monthly housing obligation=DSCR
Need help with the correct inputs? Call 800.457.9057.
Estimated DSCR
-.- Enter the monthly figures to estimate the ratio.Educational estimate only. Lender calculations, qualifying rent, payment components, appraisal results, and program requirements vary.
Property eligibility
Florida investment properties we can evaluate
Property eligibility varies by lender, occupancy, rental strategy, condo project, condition, location, and other underwriting factors.
- Single-family rentals
- Townhomes
- Warrantable and non-warrantable condos
- 2-4 unit residential properties
- Short-term and vacation rentals
- Select condotels
Typical DSCR loan requirements
What lenders generally review
- Property cash flow
- Lease income or market rent compared with the monthly housing obligation.
- Credit profile
- Credit history and score can affect leverage, pricing, and reserve requirements.
- Equity or down payment
- Required investment varies by transaction, property, DSCR, credit, and program.
- Assets and reserves
- Funds for closing and post-closing reserves must be documented when required.
- Property documentation
- Appraisal, insurance, title, leases, condo documents, and entity records may apply.
Loan comparison
DSCR loan vs. conventional investment loan
| Qualification area | DSCR loan | Conventional investment loan |
|---|---|---|
| Primary income analysis | Property rental cash flow | Borrower personal income and debts |
| Personal tax returns | Generally not used to qualify | Often required for self-employed income |
| Employment verification | Generally not required | Typically required |
| Entity vesting | LLC options may be available | Typically closes in individual names |
| Financed property limits | Program-specific, often investor-focused | Agency property-count rules may apply |
| Occupancy | Investment property only | Investment property program |
The financing process
From property scenario to closing
- 01
Share the property scenario
Tell us the property type, estimated value or purchase price, rental income, loan purpose, and desired loan amount.
- 02
Compare available structures
We evaluate the scenario across our wholesale, portfolio, and private lending relationships and identify applicable DSCR options.
- 03
Document and underwrite
Provide identity, asset, entity, lease or market-rent, insurance, appraisal, and transaction documents required for the selected program.
- 04
Close the investment loan
The lender completes underwriting and issues final approval before the transaction moves to closing and funding.
Statewide Florida service
Local mortgage-broker expertise for Florida investors
From Miami and Fort Lauderdale to Palm Beach, Orlando, Tampa, Jacksonville, Naples, Sarasota, and the Florida Keys, we help investors evaluate DSCR financing for eligible rental properties throughout Florida.
Our Brickell-based team understands Florida insurance costs, condominium reviews, short-term rental considerations, and other property issues that can materially affect a DSCR transaction.
Frequently asked questions
Florida DSCR loan answers
Get direct guidance on a specific property by requesting a scenario review.
Request loan optionsWhat is a DSCR loan?
A DSCR loan is a business-purpose mortgage for a non-owner-occupied investment property. Qualification focuses primarily on the rental property's cash flow instead of the borrower's personal income documentation.
How is DSCR calculated for a rental property?
For residential DSCR programs, the common calculation divides the property's qualifying monthly rent by its monthly housing obligation, generally principal, interest, taxes, insurance, and association dues. Individual lenders may apply different calculations and underwriting rules.
Do Florida DSCR loans require tax returns?
DSCR programs generally do not use personal tax returns or employment income to qualify. Borrowers still provide documents related to identity, credit, assets, the property, and the borrowing entity when applicable.
What DSCR ratio is required?
Many programs price most favorably when the ratio is 1.00 or higher, with stronger pricing often available at higher ratios. Options for properties below 1.00 may be available depending on credit, leverage, reserves, property type, and lender guidelines.
Can I close a DSCR loan in an LLC?
Many DSCR programs permit title and loan documents in an eligible LLC or other business entity. The entity documents, ownership structure, and personal guaranty requirements are reviewed during underwriting.
Which Florida property types may be eligible?
Programs may be available for single-family rentals, townhomes, warrantable and non-warrantable condominiums, two-to-four-unit properties, short-term rentals, and select condotels. Eligibility varies by lender and property characteristics.
Can a DSCR loan be used for a cash-out refinance?
Yes. Eligible investors may use DSCR financing to purchase a rental property, refinance an existing loan, or access equity through a cash-out refinance. Maximum leverage depends on the complete scenario.
Can I use a DSCR loan for my primary residence?
No. DSCR loans are business-purpose financing for non-owner-occupied investment properties and are not intended for a primary residence or second home.
Start with the property
See which DSCR options fit your Florida investment
No obligation. Share the property scenario and speak with a Florida mortgage professional.