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DSCR Loans in Florida

Looking for DSCR loans Florida? DSCR loans Florida investors use make it possible to qualify based on the property’s rental income instead of personal tax returns or W-2s. Sam Gorniak (NMLS #1954721) of Atlantic Trust Mortgage (NMLS #239592) shops DSCR programs from multiple wholesale lenders for single-family rentals, small multifamily, and short-term rentals across Florida.

Apply Online or Get Pre-Approved   Call Sam: (904) 687-9274

How a DSCR Loan Works

DSCR stands for debt service coverage ratio. The lender divides the property’s expected monthly rent by the monthly housing payment (principal, interest, taxes, insurance, and any HOA dues). A ratio at or above 1.0 means the rent covers the payment. Some programs allow lower ratios with stronger credit or more reserves.

Who DSCR Loans Fit

  • Investors who write off a lot of income and show low taxable earnings
  • Buyers growing a rental portfolio who have hit conventional loan limits on financed properties
  • Investors buying in an LLC
  • Short-term rental owners in vacation markets like St. Augustine Beach and the Gulf Coast
  • Investors doing a cash-out refinance after a renovation (BRRRR strategy)

What You Will Need

  • A lease or a market rent estimate from the appraiser
  • Credit report and reserves for the property
  • Entity documents if you are closing in an LLC
  • Insurance quote, including flood insurance if the home is in a FEMA flood zone

Pair your DSCR loan with property management from our sister company, Rental Property Partners.

Schedule a free DSCR loans Florida consultation with Sam.

DSCR Loans Florida FAQ

Do DSCR loans require tax returns?
Most DSCR programs do not use personal tax returns or W-2s to qualify. The property’s rent is the main income figure.

Can I use a DSCR loan for an Airbnb?
Many lenders allow short-term rental income, often using a 12-month rental history or a market report. Rules vary by lender, which is why shopping several helps.

Can I close in an LLC?
Yes. Many DSCR programs allow vesting in an LLC with a personal guarantee.

Can I live in the property?
No. DSCR loans are for investment properties only.

Serving all of Florida, including Jacksonville, St Augustine, Nocatee, Ponte Vedra Beach, St Johns, Fleming Island, and the rest of Northeast Florida.

Talk to Sam

Apply online or call Sam Gorniak at (904) 687-9274. You can also estimate a payment with our Florida mortgage calculator.

Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs and terms may change without notice. This page is general information, not tax or legal advice.