Finance Your Real Estate Investments
with DSCR Loans

Grow your real estate portfolio with flexible, rental income–based financing. Qualify using the rent payment—not personal earnings—and elevate your investment portfolio.

 
Florida Home Loans
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What is a DSCR loan?

A DSCR loan is a type of financing where the focus is on the property’s rental income rather than your personal income. In simple terms, if the rental income is greater than the monthly mortgage payment and you have a down payment as low as 20%…you can be approved for a loan—even if your own income doesn’t meet traditional standards.

2 Key DSCR Qualifications to get Approved.​

Rent is higher than the mortgage payment.

As low as a 20% down payment

How to calculate the DSCR

DSCR Loans are a Real Estate Investors dream.  This loan uses the rent amount of the subject property.  The rent needs to cover at least 100% of the mortgage payment.  DSCR stands for Debt Service Coverage Ratio which uses a ratio versus percentages.  A DSCR of 1 is the same as 100%.

Here are a few examples of calculating the DSCR

Formula

Ideal DSCR is > 1

DSCR < 1 Call Us

What you don't need for DSCR loans

DSCR Loans are a entirely based on the rental property.  Real Estate Investors love this program as it simplifies the financing process.  Investors know that their goal is to write off as much as legally possible when filing their schedule E on their tax returns.  Providing lengthy tax returns to underwriters complicates the loan process tremendously.  With Florida Home Loans’ DSCR program, we streamline the rental property buying process.

NO EMPLOYMENT HISTORY

NO TAX RETURNS

NO PAYSTUBS

WHAT OUR CLIENTS ARE SAYING

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Benefits of DSCR loans for Investors

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DSCR Frequently Asked Questions