A DSCR loan qualifies you using your Florida investment property's rental income — not your personal income, tax returns, or W-2s. No cap on the number of financed properties, and LLC closings are common for liability protection. DSCR loans made up roughly 30% of non-QM securitization volume in 2025, a record high, according to HousingWire, as investor demand for income-based qualification accelerated.
Already at conventional financing's 6–10 property limit? DSCR has no such cap, since each property qualifies on its own cash flow.
Skip the tax-return documentation entirely. If the rent covers the mortgage, the deal works — regardless of what your Schedule C shows.
Airbnb and VRBO income is a widely accepted qualifying source for DSCR programs across Florida's vacation rental markets.
Close in an LLC or trust for liability protection, keeping investment debt off your personal credit profile.
We calculate the property's DSCR using projected or actual rental income against the full monthly debt obligation.
We match your DSCR, credit profile, and entity structure to the lender program with the best terms.
An appraiser confirms property value and market rent using a comparable rent schedule.
Close in your name, an LLC, or a trust — no personal income documentation required.
DSCR loans are for investment properties only. If you're buying or refinancing where you live, bank statement financing may be the better fit.
Compare Bank Statement Loans →Private consultation with Kelly or Ray Nadeau. We'll calculate your DSCR, confirm the right program, and outline next steps — no obligation.
📞 321-321-9455 · Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617