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 on purchase at the top tier (740 FICO); higher scores unlock higher LTV
- Credit scores from 640 — cash-out available at 660+
- 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
- Declining-market cap: maximum 75% LTV for purchase and 70% LTV for refinance. Standard DSCR loan amounts (up to $3.5M) still apply.
Florida DSCR max LTV by credit score
Your maximum loan-to-value is set by your credit score, loan size, and the property’s debt-service coverage ratio (DSCR). These are the purchase tiers for a DSCR of 1.00 or higher.
Florida declining-market cap: purchase LTV is limited to 75% and refinance to 70%, regardless of the tiers below. Standard loan amounts up to $3.5M still apply.
| Credit score | Max purchase LTV | Notes |
|---|---|---|
| 740+ | 80% | to $2.5M · cash-out to 80% |
| 720 | 80% | to $1.5M · cash-out to 80% |
| 700 | 80% | to $1.5M · 70% to $3.5M |
| 660 | 75% | cash-out to 70% |
| 640 | 75% | to $1M · no cash-out |
Rate/term and cash-out LTVs are lower than purchase. Loans under $150,000 cap at 70% purchase / 65% refinance. Short-term rentals are eligible up to 80% LTV on purchase. Final terms are subject to full underwriting.
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, and cash-out refinances require a minimum 660 score.
What is the maximum LTV for a DSCR loan in Florida?
In Florida, DSCR purchase LTV is capped at 75% (70% for refinance) under TQL's declining-market guideline. Standard loan amounts up to $3.5M still apply, and your maximum LTV also depends on credit score, loan size, and DSCR.
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.
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