New Purchase
Designed for long-term rentals with 1 to 4 units and small multifamily income producing properties
- Airbnb & short term rentals
- DSCR typically 1.00 or higher
- No personal income docs
- Fast approvals and underwriting
- Loan Amounts Up to $2M+ Flexible DSCR Options
- Property Types Single to 8+ Units SFR, Condo, Multi-Family, STR
- Investor Focused 20+ Lenders Competitive Programs
Trusted DSCR Financing for Real Estate Investors
Florida DSCR Lending
Investor-Focused DSCR Lender for Rental Properties
Built for real estate investors with faster, simpler approvals
At Crestmark Lending, we help Florida real estate investors compare flexible DSCR loan options designed for rental property purchases, refinances, and long-term portfolio growth.
Through our network of 20+ institutional DSCR capital sources, we structure competitive pricing and flexible financing solutions across a wide range of property types, loan sizes, investor profiles, and market conditions throughout Florida.
DSCR Loan Highlights
- Loan amounts up to $3,000,000
- Cash-out options up to $1,000,000
- No tax returns, W-2s, or pay stubs
- Qualification based on rental income
- LLC and entity ownership allowed
Explore DSCR Loan Options
DSCR loan programs available for real estate investors across Florida
DSCR Refinance
Refinance your property to reduce payments or easily access equity for future investments
- Cash-out up to 80% LTV
- No tax returns or W2 required
- Use funds for down payments
- Rate & Term cash-out
Multifamily DSCR
Flexible DSCR loan programs for multi-family properties with competitive rates, LTVs, and investor-friendly terms
- 2-Unit
- 3-Unit and 4-Unit
- No tax return review
- Portfolio investor friendly
- LLC or business entity borrowers
DSCR for LLCs
LLC-owned investment properties, qualified by rental cash flow strength and performance
- LLC or corporation
- Cross-collateral options available
- Portfolio DSCR loans available
- Business purpose loans
Renovation & Rehab
DSCR financing for rental property upgrades, rehab projects and renovations
- Great for value add investors
- Light to full rehab projects
- Costs rolled into the loan
- Flexible DSCR underwriting
Jumbo DSCR Loans
High-balance financing for larger rentals and experienced portfolio investors
- $1.5M+ loan amounts
- Competitive investor terms
- High-balance DSCR loans
- LLC & investor friendly options
Florida Investor Financing
Investor-Focused DSCR Loans in Florida
Access competitive Florida DSCR financing for rental property purchases and refinances, based on property cash flow, not personal income.
Why investors choose DSCR loans: Close in LLC or Personal Name, DSCR Ratios as Low as 0.75, No tax returns or income docs, Long-Term & Short-Term Rentals, Cash-out up to 80% LTV, No DTI Requirements.
DSCR Loan Benefits
- Qualify Using Rental Income
- LLC or Business Entity
- Short- & Long-Term Rentals
- Interest Only Options
- No DSCR Seasoning
DSCR Ideal Borrowers
- Investment property owners
- VRBO, Airbnb & short-term rentals
- Self-employed investors
- BRRRR investors
- Buy-and-hold investors
Florida Rental Property Market Trends
Florida remains one of the most active real estate investment markets in the country, with strong rental demand across major metros like Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale. Investors continue to target the state for both long-term rental properties and short-term vacation rental opportunities, making Florida a natural fit for DSCR financing.
DSCR loans can be especially attractive in Florida because qualification is based primarily on the property's rental income rather than personal tax returns or W-2 income. That flexibility appeals to investors growing portfolios, purchasing through LLCs, or refinancing existing rental properties to improve cash flow and free up capital for future acquisitions.
From beach markets and vacation destinations to growing suburban and urban rental corridors, Florida offers a wide range of opportunities for real estate investors. Crestmark Lending helps investors explore DSCR loan options designed for purchase, refinance, cash-out, and portfolio growth across the state.
What Is a Florida DSCR Loan and How Does It Work?
A Florida DSCR loan is an investor-focused mortgage that qualifies borrowers based on a property's rental income rather than personal income, W-2s, or tax returns. Instead of reviewing traditional debt-to-income ratios, Florida DSCR lenders compare the property's monthly rental income to the full housing payment (PITIA) to calculate the Debt Service Coverage Ratio. When the rental income meets or exceeds the required payment, the investment property may qualify for financing.
What Credit Score and DSCR Ratio Are Required to Qualify?
Most DSCR lenders require a minimum credit score around 660 and a DSCR ratio of 1.00 or higher, meaning the property's rental income is enough to cover the monthly mortgage payment. However, guidelines can vary by lender. In some cases, borrowers may qualify with a lower DSCR, even below 1.00, when supported by stronger credit, additional cash reserves, or adjusted loan pricing.
Can a DSCR Loan Be Closed in an LLC?
Yes. Florida DSCR loans are designed specifically for real estate investors and can typically be closed in an LLC, corporation, or other approved entity structure. This flexibility allows Florida investors to separate personal liability, maintain clean and organized bookkeeping, and efficiently manage multiple rental properties under a single ownership entity.
Investor-Focused DSCR Solutions
Florida DSCR financing for rental purchases and refinances, based on property cash flow, not personal income.
Crestmark Lending: DSCR Loans in Florida
Crestmark Lending is a DSCR-focused mortgage broker serving Florida real estate investors, offering faster approvals, streamlined underwriting, and access to a broad network of national DSCR lenders.
We specialize in investment property financing and deliver lower DSCR rates, flexible guidelines, and speed investors need to acquire properties and scale their portfolios.
Why Crestmark for DSCR Loans
Your Trusted DSCR Partner in Florida
At Crestmark Lending, our DSCR loan specialists combine speed, flexibility, and deep expertise to help real estate investors across Florida secure the right financing with confidence. From initial application through closing, we deliver clear guidance, fast approvals, and investor-focused solutions.
Why Choose Crestmark Lending
- Lower Rates
- Flexible Underwriting
- Fast, Predictable Closings
- Simplified Documentation
- Guidance from DSCR Specialists
Your Florida DSCR Lending Team
Dedicated DSCR specialists who prioritize clear communication and deliver a smooth, efficient experience from application to closing.
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Brett Dempsey
Branch Manager -
Glen Dicken
Sr. Loan Officer -
Jen Papaelias
Loan Officer -
Mark Dusza
Sr. Loan Officer -
Ryan Wood
Loan Officer
A Better Way to Secure DSCR Financing
Crestmark Lending partners with 20+ DSCR lenders to provide Florida real estate investors with competitive pricing, flexible guidelines, and financing solutions tailored to a wide range of investment strategies.
Investors across Florida trust Crestmark Lending for efficient approvals, fast closings, and dependable service, helping them secure capital quickly and continue growing their portfolios.
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Close on Time
Our goal is to close loans in 21 days or less through a streamlined process.
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Better Rates
Lower rates by comparing 20+ lenders across multiple wholesale DSCR programs.
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Flexible Underwriting
Flexible underwriting for unique properties and complex investor scenarios.
DSCR Loan Options by State
Crestmark Lending offers DSCR loan programs for real estate investors across Texas, Oklahoma, Colorado, and 35+ other states nationwide.
