Are Florida condos harder to finance with a DSCR Loan?

Question

🤔 🌅 🌆 Q: Are Florida condos harder to finance with a DSCR Loan?
➡️ ➡️➡️A: Often yes, at least in 2026 and for the foreseeable future. The combination of new regulatory requirements for structural inspections and safety infrastructure investments as well as skyrocketing insurance costs have led many DSCR Lenders to restrict loan programs for Florida condo units, typically in the form of lower LTV maximums, higher documentation requirements, and even slightly higher interest rates.

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Justin Tulman · Answer

Robin, you bring up a great question.  Florida condos can definitely require a little more homework on a DSCR transaction because the property and condo project can matter just as much as the borrower. I’d look at the complete scenario before assuming the condo isn’t financeable: purchase or refinance, estimated value, rents, requested LTV, credit profile, reserves, condo characteristics and insurance. From there you can compare the available DSCR structures and see whether one makes economic sense versus another financing approach. Florida condos are difficult but no more difficult than any other state on the East Coast.