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(813) 303-0808

DSCR Loans Florida

What Are DSCR Loans?

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors to qualify based on property cash flow rather than personal income. This makes them ideal for growing your rental property portfolio in Florida.

Get up to 80% LTV using projected rental income.

Purchase Loans

Secure financing to purchase a rental property using current or future rental income.

  • Up to 80% LTV
  • Qualify using rental income
  • Short-term rentals allowed
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Refinance Loans

Refinance your rental property to lower mortgage payments, increase cash flow, or cash out.

  • Up to 80% LTV (rate-and-term)
  • Up to 75% LTV (cash out)
  • Roll closing costs into loan
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Portfolio Loans

Consolidate 5 or more rental properties into a single loan with one monthly payment.

  • Up to 80% LTV
  • Minimum 5+ properties
  • Consolidate into one payment
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DSCR Loan Florida Requirements

Flexible loan terms to help you remain competitive in Florida real estate market:

Minimum Credit Score 680+
Minimum Loan Amount $100,000+
Purchase/Refinance Up to 80% LTV
Cash Out Refinance Up to 75% LTV
Interest Rates Starting at 7%
Minimum DSCR 1.1
Closing Time 21-30 days
DSCR Loan Florida

See How Much You Qualify For

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Frequently Asked Questions

Get quick answers to common questions.

What types of properties qualify for DSCR loans?

DSCR loans can be used for 1-4 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.

What’s the minimum credit score?

A minimum credit score of 680 is required.

What’s the minimum loan amount?

The minimum loan amount is $100,000.

Do you work with first-time investors?

Yes, new investors are welcome.

What’s the minimum down payment?

The minimum down payment is 20%.

Is there a minimum DSCR required?

The minimum DSCR requirement is 1.1.

How do you calculate DSCR?

Divide rental income by the sum of property taxes, insurance, principal and interest payments or you can use our DSCR calculator.

What documents are required?

A legally registered business is required, along with these documents:

Pre-approval in just 24 hours without impacting your credit!

Get Pre-Approval Today

  • See how much you qualify for
  • Secure up to 80% financing
  • No application fee

Capital Ton helps investors secure financing for non-owner-occupied properties. Let us help you build your portfolio with tailored DSCR loan options.

Phone

(813) 303-0808

Email

info@capitalton.com

Request a DSCR Loan Quote

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Capital Ton Reviews





Very honest guy to work with, doesn’t offer unrealistic promises. Actually responsive compared to…

Patrick G.





The team made it easy and fast. We got a DSCR loan and the whole process was smooth.

Natalya K.





Definitely the best rental property lender that we worked with. 24 days for DSCR loan.

Alex

DSCR Loans Florida Services Areas

Florida offers an ideal mix of affordability and profitability for real estate investors. Cities like Miami, Orlando, Sarasota and Jacksonville have strong rental demand and great cash flow opportunities. While “the Sunshine State” has many great areas, Capital Ton expertise is in these markets:

  1. Miami
  2. Jacksonville
  3. Tampa
  4. Orlando
  5. Sarasota
  6. Bradenton
  7. St. Petersburg
  8. Fort Lauderdale
  9. Clearwater
  10. Fort Myers
  1. Port St. Lucie
  2. Hollywood
  3. Gainesville
  4. Tallahassee
  5. Cape Coral
  6. Boca Raton
  7. Deerfield Beach
  8. Hialeah
  9. Pembroke Pines
  10. Miramar
  1. Coral Springs
  2. Palm Bay
  3. West Palm Beach
  4. Lakeland
  5. Pompano Beach
  6. Davie
  7. Boynton Beach
  8. Delray Beach
  9. Sunrise
  10. Plantation
  1. Deltona
  2. Palm Coast
  3. Largo
  4. Melbourne
  5. Homestead
  6. Kissimmee
  7. North Port
  8. Lauderhill
  9. Daytona Beach
  10. Tamarac
  1. Lauderhill
  2. Weston
  3. Ocala
  4. Wellington
  5. Sanford
  6. Port Orange
  7. Palm Beach
  8. Margate
  9. Coconut Creek
  10. Pensacola

Why Choose Capital Ton for DSCR Loans?

No Personal Income Required.

Skip the hassle of tax returns and W-2s. Qualify based on rental income instead.

Competitive Rates

Competitive interest rates that maximize your investment returns.

Fast and Reliable.

Close in as little as 21-30 days.

Flexible Loan Terms.

Choose from 30-year fixed rates, 5/1 or 7/1 ARMs, and interest-only options.

Capital Ton LLC Logo

Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.