Investor Multifamily Capital | Florida

DSCR Loans for Florida Real Estate Investors

No W2. No Tax Returns. Qualify Based on Your Property's Cash Flow.

Florida remains one of the highest-volume DSCR markets in the country - driven by strong rental demand, no state income tax, and investor-friendly landlord laws. Tampa, Orlando, Jacksonville, and the broader I-4 corridor deliver consistent cash-flow performance on 1-4 unit rentals and short-term rental properties. IMC structures DSCR loans for Florida investors statewide including buy-and-hold rentals, STR/Airbnb financing using AirDNA projections, and cash-out refinances on existing rental portfolios.

Who This Is For

  • Buy-and-hold rental investors
  • Investors refinancing out of hard money or bridge loans
  • Self-employed investors
  • Portfolio builders
  • Short-term rental investors

Typical Uses

  • Rental property purchase
  • Investment property refinance
  • Cash-out refinance
  • Short-term rental financing
  • Small multifamily financing

25 Years Experience | Investor-Only Lending | No W2 Required | Close in 2-3 Weeks | Florida Specialist

Program Parameters

DSCR Loans
Loan Amounts$75K - $3M
LTVUp to 80% purchase / 75% cash-out
Min FICO660 (680+ best pricing)
DSCR Minimum1.0 (no-ratio available)
Property Types1-8 units, select 9+ commercial
Terms30-year fixed, ARM, interest-only available
Income DocsNone required
Closing2-3 weeks typical

How a Tampa, FL investor refinanced a rental portfolio

Worked scenario
Property3-unit rental
Purchase Price$425,000
Loan Amount$318,750
Key MetricDSCR 1.21
OutcomeLong-term rental debt placed
Timeline19 days

Target Markets

FL ZIP focus

33602, 33603, 33604, 33605, 33606, 32801, 32803, 32804, 32805, 32806, 33125, 33127, 33130, 33133, 32202, 32204, 32205, 32206

FAQ

Investor searches
Can I get a DSCR loan in Florida?Yes. IMC structures DSCR loans for eligible investment properties in Florida, subject to property cash flow, borrower profile, and capital source guidelines.
What DSCR ratio do I need to qualify?Many programs review DSCR at 1.0 or higher, with stronger pricing and structure generally available at higher ratios.
Do I need tax returns for a DSCR loan in FL?Most DSCR programs qualify the property based on rental income instead of personal W2 income or tax returns.
Can I use a DSCR loan for a short-term rental in Florida?Yes, eligible STR properties may use projected or historical short-term rental income depending on the capital source.
How fast can I close a DSCR loan in Florida?Clean files commonly close in 2-3 weeks, though timing depends on appraisal, title, entity docs, and underwriting.
What is the minimum down payment for a DSCR loan in FL?Many DSCR purchases start around 20-25% down, depending on property type, score, leverage, and DSCR.
Can I close a DSCR loan in an LLC in Florida?Yes. LLC and entity borrowers are common for business-purpose investment property loans.

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