| DSCR Investor Loans in Florida
Cash-Flow Based Financing for Real Estate Investors
A DSCR loan (Debt Service Coverage Ratio loan) is a non-QM mortgage designed for real estate investors who want to qualify based on property cash flow rather than personal income.
Instead of reviewing tax returns, W-2s, or pay stubs, DSCR loans focus on whether the rental income from the property can cover the monthly mortgage payment—making them ideal for Florida investors scaling their portfolios.
At Mid Florida Mortgage Professionals, Rayce and his team help real estate investors across Oviedo, Central Florida, and throughout Florida secure DSCR financing aligned with investment strategy and cash flow.
What Is a DSCR Loan?
DSCR loans evaluate a property’s ability to generate enough income to cover its debt obligations. If the rental income meets or exceeds the mortgage payment, the borrower may qualify—even without traditional income documentation.
Florida investors choose DSCR loans because they offer:
No personal income verification
No tax returns, W-2s, or pay stubs
Qualification based on rental income
Available for short-term and long-term rentals
Options for LLC or personal ownership
Scalable financing for multiple properties
DSCR loans are commonly used for single-family rentals, condos, townhomes, and small multifamily properties.
Who Is a Good Fit for a DSCR Loan?
DSCR loans are ideal for:
Real estate investors
Short-term rental owners (Airbnb / VRBO)
Long-term rental property owners
Portfolio investors
Borrowers purchasing under an LLC
If your goal is to grow or stabilize rental cash flow, Rayce and his team can help determine whether a DSCR loan fits your strategy.
DSCR Loan FAQs
How is DSCR calculated?
DSCR is calculated by dividing the gross rental income by the monthly mortgage payment.
⦿ A DSCR of 1.0 means the property breaks even
⦿ Higher DSCR ratios may result in better pricing or terms
Many programs allow DSCR ratios at or near 1.0, depending on guidelines and reserves.
Do DSCR loans require a down payment?
Yes. Down payments typically range from 15%–25%, depending on:
⦿ Property type
⦿ Rental income strength
⦿ Credit profile
⦿ Loan amount
Rayce and his team will help structure your loan to balance leverage and cash flow.
Can I use a DSCR loan for short-term rentals?
Yes. Many DSCR programs allow financing for:
⦿ Short-term rentals (Airbnb, VRBO)
⦿ Long-term rentals
⦿ Seasonal rental properties
Some lenders may use market rent or appraisal-supported rental income. Rayce and his team will guide you through lender-specific requirements.
Are interest rates higher on DSCR loans?
DSCR loans generally carry slightly higher interest rates than conventional investment property loans due to flexibility and reduced documentation.
However, many investors prefer DSCR loans because they:
⦿ Allow faster scaling
⦿ Avoid income limitations
⦿ Preserve personal DTI
Can I refinance a DSCR loan?
Yes. Florida investors often refinance DSCR loans to:
⦿ Pull cash out for new investments
⦿ Improve cash flow
⦿ Adjust loan terms
⦿ Reposition a property after stabilization
Rayce and his team can help evaluate refinance timing and strategy.
DSCR Loans vs. Traditional Investor Loans
DSCR Loans May Be Better If:
You want to qualify based on property cash flow
You own or purchase multiple rental properties
You prefer not to use personal income
You’re investing through an LLC
Traditional Loans May Be Better If:
You qualify easily using personal income
You want the lowest possible rate
You’re purchasing a primary residence
Every investor’s situation is unique. Rayce and his team will help identify the best loan structure for your portfolio.
Get Started With a DSCR Loan in Florida
DSCR loans give investors the ability to scale without income limitations holding them back. If you’re ready to grow your portfolio, Rayce and his team at Mid Florida Mortgage Professionals are here to help.
📍 Serving Oviedo, Central Florida, and real estate investors statewide
📞 Strategic guidance, flexible financing, and investor-focused solutions
Contact Rayce and his team today to explore DSCR investor loan options in Florida.
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Contact Info
We’re here to make your home financing experience smooth and stress-free. Contact our team anytime — we’re ready to guide you through every step of your homebuying journey.
Location
235 S Central Ave, Oviedo Florida 32765
Phone
Mid Florida Mortgage Professionals
Company NMLS# 1587074
Rayce Robinson
LO NMLS # 322615
235 South Central Ave
Oviedo, Florida 32765
© 2026 Mid Florida Mortgage Professionals. All rights reserved. Mid Florida Mortgage Professionals is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. NMLS Consumer Access
