Fast, asset-based DSCR loans for the Sunshine State.
Your DSCR Financing Experts for Airbnb & VRBO Investments
We offer Residential and Commercial DSCR
Residential Rentals (1-4 Units)
Perfect for long-term holds and "Buy & Hold" strategies.
Multi-Family (5+ Units)
Commercial-grade DSCR for apartment buildings and portfolio consolidation.
Commercial Properties?
Plazas, Gas Stations, and others visit our website
DSCR Pre-approval for 1-4 Units
Properties with less than 4 units is consider residential
PITI Only:
• Formula: Add your (P)rincipal + (I)nterest + (T)axes + (I)nsurance + HOA (if applies)
• Rule of Thumb: We estimate 1% of purchase price for Taxes and 1% for Insurance.
1-4 Units Residential DSCR Calculator
DSCR Pre-approval for 4+ Units
Properties with less than 4 units is consider commercial
NOI ÷ Annual Debt Service.
Net Operating Income (NOI)- The "Engine" of your investment.
• Formula: Gross Rent - Operating Expenses (Taxes, Insurance, Property Management, Maintenance, etc.)
• Rule of Thumb: We estimate 1% of purchase price for Taxes and 1% for Insurance.
• Note: NOI does NOT include your mortgage payment.
Download Excel Sheet To Calculate NOI [download]
Download PDF NOI Calculation guide [download]
4+ Units Residential DSCR Calculator
Enter values to see your DSCR result
DSCR vs. Traditional Financing
DSCR Loans
- Property Cash Flow: Based on the rental income generated by the asset.
- None: No tax returns or debt-to-income (DTI) calculations required.
- Fast: Typically 14–21 days. Ideal for Florida's fast-moving market.
- LLC Friendly: Designed for closing in an LLC or Corp to protect your assets.
- Versatile: Long-term, Airbnbs, and Multi-units (2-4 & 5+).
- Unlimited: No cap on the number of properties you can finance.
- Realistic: We factor in 1% Taxes & 1% Insurance for accurate ROI.
Traditional Investment Loan
- Personal Income: Based on your W-2s, tax returns, and pay stubs.
- Extensive: 2 years of tax returns and proof of consistent employment.
- Slow: 45–60+ days due to rigorous personal underwriting.
- Personal Name: Usually requires closing in your individual name.
- Restrictive: Primarily focused on long-term residential rentals.
- Capped: Usually limited to 10 financed properties per individual.
- Standardized: Uses national averages that often miss Florida’s reality.
Commercial Loan — Short Application
Tell us about the property and the loan you need — we’ll reply with a quote.
Thank you!
Are You Ready?
Apply Online
An application provides us with a structured profile of your financial history to determine your creditworthiness.
Pull Credit Report
Your credit report is required to provide a pre-approval letter with terms or LOI.
Forms - for 4+ Units
Please, provide these forms: Rent Roll, Operating Property Expenses.R
Rent Roll [download]
Operating Statement [download]
What our clients say
Working with this team made expanding my portfolio incredibly easy since they focused on my property's cash flow rather than my personal income. The DSCR loan process was seamless, and the 1% tax and insurance estimates we used for planning were spot on for my budget.
I was struggling to qualify for a traditional loan as a self-employed investor, but their DSCR program was the perfect solution for my latest rental acquisition. The closing was fast, professional, and allowed me to secure a high-performing asset without the usual mountain of personal paperwork.
As a first-time investor, I was nervous about qualifying for a mortgage while still working my 9-to-5. This team made the process incredibly easy by focusing on the property's potential rather than just my personal income.
WE CAN DO DSCR LOANS IN THE FOLLOWING STATES
Alabama, Arkansas, Colorado, Connecticut, Washington DC, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, Wyoming
Focus on the Cash Flow. We'll handle the rest.
Contact usFrequently Asked Questions
What are DSCR loans?
DSCR loans are asset-based loans that focus on the Debt Service Coverage Ratio (DSCR) of an investment property, allowing qualification based on the property's income rather than personal income or tax returns.
What types of properties can I finance with DSCR loans?
You can finance both residential rentals (1-4 units) and multi-family properties (5+ units) with DSCR loans, making them suitable for long-term holds, Airbnbs, and commercial-grade financing.
How long does the approval process take for DSCR loans?
The approval process for DSCR loans typically takes 14–21 days, which is ideal for Florida's fast-moving real estate market.
Do I need to provide tax returns for a DSCR loan?
No, you do not need to provide tax returns or undergo debt-to-income (DTI) checks for a DSCR loan; the focus is solely on the property's cash flow.
What is the estimated cost for taxes and insurance when calculating DSCR?
The rule of thumb for estimating taxes and insurance is 1% of the purchase price for each, which is used for accurate ROI calculations.
Can I apply for a DSCR loan online?
Yes, you can apply for a DSCR loan online, which allows you to provide a structured profile of your financial history for creditworthiness assessment.