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.
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
Lawn & Order 9/03/2026We had an amazing experience as Jorge and his team guided us through the entire process. It was the smoothest home purchase we’ve had and we are grateful how Florida Home Loans treated us. 1st classread moreread less
Mary Hardrick 7/22/2026The team at Florida Home Loans was wonderful. They professionally guided us through the entire process with constant communication and support. Everyone we worked with was accessible and available to ensure we met the deadline. We highly recommend Florida Home Loans and look forward to working with them again in the future.read moreread less
Alyssia Rae 7/16/2026We truly could not have asked for a better team than Adam, Adrian, and Eric with Florida Home Loans to guide Jon and me through the mortgage process and help us become homeowners. From the very beginning until the day we closed, they were there for us every step of the way—answering our questions, explaining everything clearly, keeping us updated, and making sure the entire process moved as smoothly as possible.
Buying a home can feel overwhelming, but they made us feel supported, informed, and confident throughout the entire journey. They worked incredibly hard behind the scenes and always made us feel like more than just clients. We knew they genuinely cared about us, our family, and helping us reach this huge milestone.
What made the experience even more meaningful is that Adam, Adrian, and Eric are also personal friends of mine. Having people we know and trust beside us during one of the biggest moments of our lives made it that much more special. Their dedication, patience, professionalism, and friendship meant more to us than they probably realize.
Jon and I are beyond grateful for everything they did to help make our dream of homeownership a reality. I would wholeheartedly recommend Adam, Adrian, Eric, and the entire team at Florida Home Loans to anyone looking for a mortgage team that truly cares and will support you from beginning to end. Thank you all for being such an important part of this exciting new chapter in our lives!read moreread less
Adam Kofsky 7/09/2026Eric and Jorge and their team are simply the best! This is a mortgage company I’d refer my friends and family to!read moreread less
Jarred Hinkle 6/10/2026Daniel was excellent through the whole process. When there were challenges, he worked through them with experience and communication. He spoke with confidence, and helped me understand exactly what what going on each step of the way.read moreread less
marylin camacho 6/02/2026I had an amazing experience working with Daniel Santiago throughout my home-buying journey. As a first-time homebuyer using a VA loan, I had a lot of questions and there were many moving parts, but Daniel was patient, knowledgeable, and always available when I needed guidance. He took the time to explain everything clearly, kept me informed throughout the process, and made what could have been a very stressful experience feel manageable.
Thanks to Daniel Santiago and his team, I was able to successfully purchase my first home. I truly appreciate all of his hard work, professionalism, and dedication. I would highly recommend Daniel Santiago to anyone looking for a mortgage lender who genuinely cares about his clients and goes above and beyond to help them achieve their goals.read moreread less
Leandro Vichiato 5/22/2026My experience with them was extremely smooth, and I felt very well supported throughout the entire process by true specialists. Their customer service is incredibly fast, and having direct contact with the owners makes a huge difference.
They were patient and willing to revisit discussions multiple times until we found the best deal possible. I also learned a lot from them along the way, which made the experience even more valuable.
I highly recommend them and will definitely work with them again in future business opportunities.read moreread less
yan carter 3/13/2026Buying my first home in the United States was a huge milestone for me, and I couldn’t have asked for a better team than Florida Home Loans LLC to guide me through the process.
From the very beginning, Daniel and the entire team were incredibly professional, responsive, and supportive. The whole process was smooth and easy, and they made sure everything moved forward efficiently without stress.
Daniel was especially great to work with. He helped negotiate what I truly believe was one of the best rates on the market and made sure I fully understood every step along the way. His communication, patience, and dedication made a big difference throughout the entire journey.
I highly recommend Florida Home Loans to anyone looking for a trustworthy and professional mortgage lender. Thank you again for helping make this dream possible! 🏡read moreread less
A Google User 2/23/2026Working with Florida Home Loans was truly an exceptional experience. From start to finish, their team was professional, knowledgeable, and incredibly supportive throughout the entire process.
They were outstanding communicators, always quick to respond, proactive with updates, and clear in explaining every step along the way. I never once felt left in the dark or unsure about what was happening. They stayed on top of every detail and made what can be a stressful process feel smooth and manageable.
What really sets them apart is how they make you feel. You’re not treated like just another file or transaction, they genuinely make you feel like family. It’s clear they care about their clients and take pride in helping you reach such an important milestone.
I couldn’t recommend Florida Home Loans more highly. If you’re looking for a team that is attentive, organized, and truly invested in you, they are the ones to call.read moreread less
Gabrielle 2/23/2026Working with Florida Home Loans was truly an exceptional experience. From start to finish, their team was professional, knowledgeable, and incredibly supportive throughout the entire process.
They were outstanding communicators, always quick to respond, proactive with updates, and clear in explaining every step along the way. I never once felt left in the dark or unsure about what was happening. They stayed on top of every detail and made what can be a stressful process feel smooth and manageable.
What really sets them apart is how they make you feel. You’re not treated like just another file or transaction, they genuinely make you feel like family. It’s clear they care about their clients and take pride in helping you reach such an important milestone.
I couldn’t recommend Florida Home Loans more highly. If you’re looking for a team that is attentive, organized, and truly invested in you, they are the ones to call.read moreread less
Oscar Marin 2/13/2026FL Home Loans absolutely set the new gold standard for my loan which closed yesterday. It was so complex with nuances, I was skeptical of even asking such pointed questions, everyone- Eric, Jorge,Chad, Leanna were incredibly knowledgeable about every aspect of my loan, and from viewing to closing was less than 30 days. I have never had such a smooth experience and this purchase was by far the most complex Ive had and my first time using my VA benefits.
FL home loans has won my loyalty and i enthusiastically recommend their team to anyone I encounter beginning this process.
They will exceed all expectations, look no further than FL Home Loans.read moreread less
Garrett Sanford 2/05/2026Jorge and his team were incredibly communicative and professional. Finance deals can be complicated and certain elements can take longer than others, but I never felt out of the loop. They meticulously communicated what each step was and its purpose as well as where we were and how to move forward. There were a couple snags on my end that they adeptly navigated in a smooth and timely fashion and kept me assured throughout. I was very impressed with the whole process and will definitely use them again when I get the opportunity.read moreread less
Benefits of DSCR loans for Investors
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