DSCR Loans for Florida Rental Properties

[Ebonie Beaco]

Qualify Using Rental Income Not Personal Tax Returns

Florida real estate investors, if your tax returns are slowing down your growth, this may be the solution.

DSCR loans allow you to qualify based on the property's rental income instead of your personal income. That means:

• No personal tax returns required
• No W2s
• No traditional debt to income calculations
• LLC ownership allowed
• Ideal for BRRRR investors
• Long term rentals and short term rentals
• Purchase and refinance options
• Cash out available

If the property cash flows, it may qualify.

This is one of the most effective tools for investors scaling in Florida markets such as Miami, Tampa, Orlando, Jacksonville, and Fort Lauderdale.

Who This Works Best For

• Full time real estate investors
• Self employed borrowers
• Investors with significant write offs
• BRRRR investors planning their refinance exit
• Buyers purchasing in an LLC
• Investors scaling beyond personal income limits

How DSCR Qualification Works

Instead of reviewing your personal income, lenders calculate:

DSCR equals Gross Rent divided by PITIA
Principal, Interest, Taxes, Insurance, and HOA

If the rental income covers the mortgage payment at the required ratio, you may qualify.

Simple. Scalable. Investor focused.

Let’s Review Your Deal

I work with over 240 lenders and structure financing specifically for real estate investors. With more than 25 years of mortgage experience including underwriting and investor financing, I understand how to structure BRRRR exits and long term portfolio growth.