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Florida DSCR Loan

A Tailored Home Loan for Independent Earners

What is A Florida DSCR Loan?

A Florida DSCR (Debt Service Coverage Ratio) Loan is a unique mortgage solution designed for real estate investors who want to qualify for financing based on the income generated by their investment properties rather than personal income. Traditional mortgage loans often require proof of employment, tax returns, and personal debt-to-income ratios, which can be limiting for investors with complex financial structures. With a DSCR loan, lenders focus on the property’s ability to generate enough rental income to cover the mortgage payment, making it an ideal choice for investors looking to expand their portfolios.

This loan type is especially beneficial for those investing in rental properties, including single-family homes, multi-unit residences, and short-term vacation rentals. By assessing the rental income potential rather than an investor’s personal income, DSCR loans provide a streamlined qualification process. Whether you are a first-time investor or a seasoned real estate professional, this loan helps maximize opportunities by allowing you to qualify based on your property’s cash flow rather than your financial statements.

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The Pros of DSCR Loan

  • No Personal Income Verification
  • Expand Your Investment Portfolio Faster
  • Flexible Loan Approval
Florida DSCR Loan

Who qualifies for a Florida DSCR Loan?

A Florida DSCR Loan is designed for real estate investors who want to finance rental properties without relying on personal income verification. Ideal candidates include individuals who own or plan to acquire investment properties that generate rental income. Instead of requiring pay stubs or tax returns, lenders assess whether the rental income is sufficient to cover the monthly mortgage payment. This loan is particularly useful for investors with multiple properties, short-term rental operators, and those looking to scale their real estate portfolios efficiently.

Florida 1099 Loan Requirements

To qualify, borrowers must demonstrate that the property’s rental income meets or exceeds the required Debt Service Coverage Ratio (typically 1.0 or higher). Lenders will review lease agreements, market rental estimates, or past rental history to verify income potential. A minimum credit score is required, though the exact threshold varies by lender. Down payment requirements typically range from 15% to 25%, depending on the property type and loan amount. Since employment verification and tax returns are not required, the qualification process is much more flexible compared to traditional loans.

Why Apply for a Florida 1099 Loan Today?

A Florida DSCR Loan is the perfect financing tool for real estate investors looking to expand their portfolios without the constraints of traditional loan requirements. By focusing on rental income instead of personal earnings, this loan simplifies the approval process and allows for greater flexibility. If you are ready to grow your investment portfolio, take advantage of this opportunity today. With competitive terms, easy qualification, and a focus on cash-flowing properties, there has never been a better time to apply for a DSCR loan and unlock new real estate investment opportunities.

Apply For A
DSCR Loan

Get Approved

The Pros of 1099 Mortgages DSCR Loan

  • No Personal Income Verification
  • Expand Your Investment Portfolio Faster
  • Flexible Loan Approval

KeyFi is the number one choice for homebuyers who can’t secure a traditional mortgage in Florida but still want to achieve homeownership. 

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