Independent broker. We shop 50+ wholesale lenders to find your best Florida DSCR rate — no W2s, no tax returns, no income verification. Qualify on the property's rental income.
Investment property only · No impact to credit score
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Most lenders only show you their own product. We're a broker — meaning we shop your scenario across 50+ wholesale DSCR programs to find the one that actually fits your deal.
Our typical FL borrower owns 3-10+ rentals and is buying the next one. Avg loan $398K, up to 85% LTV on purchase. Buy your 5th, 8th, 12th door.
Orlando, Tampa, Destin, Naples, 30A — Florida is a top-3 US Airbnb market. AirDNA income accepted. No 12-month rental history required.
Miami is the #1 US foreign-national investor market. We have programs for Latin American, European, Caribbean capital. Up to 70% LTV without US tax returns.
Florida preconstruction is a unique niche. We have lenders who finance Florida new-build investor properties with deposit-only history — most won't.
FL deals move fast. Our funded data shows 14-day closes are real, not marketing. No surprises, no last-minute condition adds, no rate-lock drama.
We shop your file across 50+ wholesale DSCR programs. Direct lenders are stuck with one rate sheet. We pivot to the lender who actually fits your file.
From Houston's investor-heavy submarkets to Austin's STR scene, we close DSCR loans on single-family rentals, 2–4 unit properties, and condos statewide.
| 2026 Florida DSCR Program Overview | |
|---|---|
| Loan amount | $100,000 – $3,000,000 |
| Maximum LTV | Up to 85% (purchase), 80% (cash-out refi) |
| Interest rate | From 5.99% (rate depends on credit, LTV, DSCR ratio) |
| Minimum DSCR | 1.0 standard · No-ratio programs available |
| Minimum credit score | 620 FICO |
| Income documentation | None required — qualify on rental income only |
| Eligible property types | SFR, 2-4 unit multifamily, condos (including condotels in Orlando/Miami), PUDs. Heavy STR/Airbnb programs. |
| Eligible borrowers | US citizens, permanent residents, foreign nationals (huge Miami foreign-national market) |
| Term | 30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available |
| Pre-payment penalty | 3-5 year step-down typical (waivable for fee) |
| Time to close | 14–21 days for most files |
Rates and terms subject to change without notice. Final terms determined at underwriting. Brokered by United Trust Mortgage, NMLS #2591548. Loan products offered through participating wholesale lenders. Restrictions apply. Investment property loans for business purposes only. Equal Housing Opportunity.