Private DSCR Lender in Florida
DSCR Loans in Florida
Total Quality Lending finances real estate investors across Florida with DSCR loans that qualify on the property’s rental cash flow — not your personal income. Up to 75% LTV, credit scores from 640, and loan amounts to $3.5M.
- Max LTV
- 75%
- Min credit score
- 640
- Loan amounts
- $100K–$3.5M
- Income docs
- None
Why investors choose DSCR loans in Florida
A DSCR loan lets you scale a rental portfolio in Florida without the income hurdles of conventional financing. Approval is based on whether the property pays for itself.
- Qualify on the property’s rental cash flow — no personal income, W-2s, or tax returns
- Up to 80% LTV for purchase, rate/term, and cash-out
- Credit scores from 640
- Loan amounts from $100,000 to $3,500,000
- Short-term rentals (Airbnb, VRBO, FlipKey) eligible up to 80% LTV on purchase
- First-time investors eligible (restrictions apply)
Florida DSCR program at a glance
- Maximum LTV
- 75% (purchase)
- Minimum credit score
- 640
- Loan amounts
- $100K – $3.5M
- Occupancy
- Investment only
- Loan purposes
- Purchase, Rate/term refinance, Cash-out refinance
Available terms
- 15-, 30-, and 40-year fixed
- 5/6, 7/6 & 10/6 ARMs (30-year term)
- Interest-only options (680+ credit score)
Eligible property types
- Single-family (attached & detached)
- 2–4 unit properties
- Condominiums & condo-hotels
- Rural properties (up to 5 acres)
Florida DSCR guidelines to know
- State overlay: maximum 75% LTV for purchase and 70% LTV for refinance, with a maximum loan amount of $2.0M.
Short-term rental (Airbnb & VRBO) loans in Florida
Running a short-term rental in Florida? DSCR financing works for Airbnb, VRBO, and FlipKey properties too. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase — so your nightly cash flow can power your next acquisition.
Florida DSCR loan FAQs
Can I get a DSCR loan in Florida?
Yes. Total Quality Lending provides DSCR loans throughout Florida for real estate investors. DSCR (Debt-Service Coverage Ratio) loans qualify on the property's rental cash flow rather than your personal income — no W-2s or tax returns required.
What credit score do I need for a DSCR loan in Florida?
DSCR loans in Florida are available with credit scores starting at 640. Higher scores unlock higher LTVs and larger loan amounts.
What is the maximum LTV for a DSCR loan in Florida?
In Florida, DSCR loans are available up to 75% LTV for purchases and 70% LTV for refinances, with a maximum loan amount of $2.0M under the current Florida state overlay.
Can I use short-term rental (Airbnb) income to qualify in Florida?
Yes. Short-term rentals (Airbnb, VRBO, FlipKey) are eligible in Florida. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase.
How much can I borrow with a DSCR loan in Florida?
DSCR loan amounts in Florida range from $100K to $3.5M, available for single-family, 2–4 unit, condominium, and eligible rural investment properties.
Ready to finance your Florida investment property?
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