Explore DSCR loans Florida investors rely on. Finance or refinance rental and commercial properties with no income verification and flexible terms.
At REIF Loans, we help real estate investors grow with flexible DSCR loans Florida programs that qualify based on rental income instead of personal income. Whether you’re buying a short-term rental in Miami, refinancing a duplex in Orlando, or adding multifamily units in Tampa, we make financing simple and investor-focused.
Our investor mortgage programs are built around your property’s performance, offering fast closings, no tax return requirements, and tailored options to match your portfolio goals.
A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on property income rather than employment or W-2 income. It’s designed for investors who want to scale without traditional income restrictions.
DSCR = Monthly Gross Rental Income / Monthly PITIA
Example:
If your Florida rental earns $3,000 in monthly rent and your combined loan payment, taxes, insurance, and association fees is $2,400, your DSCR is 1.25, meaning your income exceeds debt by 25%.
Most DSCR lenders in Florida look for a minimum ratio of 1.0, with 1.20 or higher earning stronger terms.
DSCR loans Florida programs are easier to qualify for than traditional loans. They focus on rental income stability rather than tax returns or job history.
Our advisors match you with trusted DSCR lenders Florida investors count on for the best rates and quick approvals.
At REIF Loans, we offer a full range of DSCR loans Florida programs designed for every type of real estate investor.
Finance new rental or vacation properties using property income for qualification. Ideal for expanding your portfolio across Miami, Jacksonville, and Orlando.
Lower your rate or pull equity from current investments. Our DSCR refinance programs help you grow your holdings and reinvest profits strategically.
Use documented Airbnb or VRBO income to qualify. Great for beach destinations and tourist-heavy markets like Fort Lauderdale and Sarasota.
For multifamily, mixed-use, or small commercial spaces, commercial DSCR Florida programs provide fast approvals and flexible structures.
DSCR loans Florida are built for investors who want to qualify faster and finance based on actual property income.
Our investor mortgage Florida team helps you compare rates, terms, and programs so you can choose what best fits your portfolio.
Florida’s diverse rental markets make DSCR lending ideal for both local and out-of-state investors. With growing tourism, population, and employment, these markets consistently produce strong cash flow.
Each market offers unique investment opportunities that align perfectly with DSCR loans Florida.
Most lenders require a ratio of 1.00 or higher; 1.20+ often secures the best loan terms.
Yes, most Florida DSCR lenders allow loans to be titled under an LLC or individual name.
No. DSCR loans qualify based solely on property rental income.
Yes. Airbnb and VRBO income can be used for qualification with supporting data.
Typically, 3–6 months of PITI reserves are required for approval.
At REIF Loans, we specialize in DSCR loans Florida programs that empower investors to build wealth through real estate. From refinancing existing rentals to purchasing new short-term or multifamily properties, we offer fast approvals, flexible lending, and clear communication from start to finish.
Start financing your next Florida investment property today with confidence.
