Trusted LENDER

Your Florida Real Estate Portfolio, Unlocked.
Growth without personal income!

Stop qualifying based on your tax returns. Start qualifying based on your property’s income.
Fast, asset-based DSCR loans for the Sunshine State.

0+
Hedge Funds & Investors
0.0%
Approval rate
24/0
Online Applications
0+
Years Experience

Our Core Programs

The Florida Advantage

Florida is the #1 destination for real estate yield. At www.dscrloansflorida.com, we provide the leverage you need to compete in Miami, Orlando, Tampa, and beyond. We don't care about your DTI; we care about the Debt Service Coverage Ratio (DSCR) of your investment.

  • 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.

  • Short-Term Rentals

Specially designed for Florida’s Airbnb and VRBO markets.

  • Commercial Properties?

Plazas, Gas Stations, and others visit our website https://commercial-loans-florida.com

DSCR Analyzer

Commercial Properties
Do The Math...

Net Operating Income (NOI)

The "Engine" of your investment.

• Formula: Gross Rent - Operating Expenses (Taxes, Insurance, 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]

Debt Service Coverage Ratio (DSCR) Calculator

DSCR = NOI ÷ Annual Debt Service. Toggle Interest-Only to calculate payment using interest only.
Inputs
Amortizing P&I
$
NOI before debt payments.
$
%
yr
Interest-Only Payment
If ON, payment = Loan Amount x Rate only
Note: For guideline purposes only.
Results
Waiting for inputs
Monthly Payment
$0.00
Annual Debt Service
$0
Monthly payment x 12
Calculated DSCR
0.00x
NOI ÷ Annual Debt Service
Payment Type
Amortizing
Based on toggle selection
Enter values to see your DSCR result
Tip: Set loan amount, rate, and NOI. Use Target DSCR slider below.
Target DSCR, Minimum NOI, and Coverage
DSCR: 1.20x
Target 1.20x
Coverage
Move the bar to change the target DSCR.
Minimum NOI Needed (at target DSCR)
$0
Annual Debt Service x Target DSCR
Coverage vs Target (NOI above or below)
$0
Based on current NOI

DSCR Analyzer

Residential Properties
Do The Math...

PITI Only

The "Engine" of your investment.

• 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.

DSCR Calculator - Placeholder Mode

DSCR Calculator

Complete the fields below to see your ratio. Monthly taxes and insurance are auto-estimated at 1% of the purchase price.
Loan Parameters
$
$
%
$
%
$
$
$
Interest Only
ESTIMATED DSCR
--
Mtg P&I
--
Tax+Ins+HOA
--
Total PITIA
--
--
--

Cheat Sheet

The "Safety Margin" for the lender.

• Targets:

• 1.25+: Prime (25% cash flow cushion)

• 1.00: Breakeven

• <1.00: Negative Cash Flow

DSCR vs. Traditional Financing

DSCR Loan (Our Specialty)

  • 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.Offer item you get lorem ipsum

  • 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.

We qualify the property, not you.
No tax returns or DTI checks required.


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

Our Services

Are you ready?

Application

An application provides us with a structured profile of your financial history to determine your creditworthiness.

Credit Report

Your credit report is required to provide a pre-approval letter with terms or LOI.

Forms - with Multi-Units

Please, provide these forms:

Testimonials

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.

Zara Bush
Zara Bush
Real Estate Investor
★ ★ ★ ★ ★

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.

Real Estate Investor
Real Estate Investor
Entrepreneur
★ ★ ★ ★ ★

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. Their deep understanding of the market and simple approach to calculating the 1% tax and insurance buffers gave me the confidence to close on my first rental property with zero stress.

Ashwin Santiago
Ashwin Santiago
Investor
★ ★ ★ ★ ★

Having built a portfolio of 15+ units, I’ve hit the 'lending wall' with traditional banks many times. These guys are a breath of fresh air; they treat my real estate business like a business. Their DSCR loans allow me to scale rapidly without the mountain of tax returns usually required, and their speed in underwriting ensures I never miss out on a competitive deal.

Kaden Scott
Kaden Scott
Real Estate Investor
★ ★ ★ ★ ★

I was in a tight spot with a high-interest private bridge loan coming due and a traditional bank that backed out at the last minute, putting my entire equity at risk. This team stepped in and saved the property by quickly pivoting to a long-term DSCR loan. They recognized the property's strong cash flow when others wouldn't, effectively bailing me out of a predatory situation and securing my investment's future.

Elsie Roy
Elsie Roy
Landlord

Focus on the Cash Flow. We'll handle the rest.

Quick Links

Contact Details

  • (727) 642-1166

  • 1155 Pasadena Ave
    South Pasadena, FL 33707

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