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DSCR Loans in Florida

Florida is one of the most active investor markets in the country, and it is a natural home for the DSCR Loan. From long term single family rentals to short term vacation properties, Lendingplace finances Florida investors on the property's income rather than personal tax returns. We are a licensed Florida mortgage broker.

Why Florida investors choose DSCR Loans

No state income tax, steady population growth, and a deep short term rental market all support strong rents. A DSCR Loan turns those rents into qualifying power. The property covers the payment, the ratio works, and your tax returns stay out of it. Down payments generally run 25% to 30% depending on the rental income.

Short term and vacation rentals

Florida's tourism corridors make short term rentals a popular play. Many DSCR programs allow qualification on short term rental income, which can pencil differently than a long term lease. We will match your property to a lender that treats the income the way your strategy requires.

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Metros We Serve

We close across Florida, including Miami, Fort Lauderdale, Tampa, Orlando, and Jacksonville. We price each property on its own numbers.

How to apply

Tell us the property and the rent, long term or short term, and we will run the ratio and return terms. Try the DSCR Loan calculator to preview the result.

Frequently Asked Questions

  • Are you licensed in Florida?

    Yes. LendingPlace, Inc. holds Florida Mortgage Broker License MBR4920, NMLS 2003033. We finance DSCR Loans on investment properties across the state.

  • Can I finance a short term rental?

    Yes, many programs allow it. We confirm the income treatment for your property and match it to a lender that supports short-term rental qualification.

  • Do I need to verify my personal income?

    No. DSCR Loans qualify on the property's rental income. Your personal tax returns, W-2s, and employment are not part of the approval.

  • Can I close in an LLC?

    Yes. LLC closings are standard on DSCR Loans and most of our lenders accommodate them.

DSCR Loan Quote Request | Lendingplace, Inc.

Get your DSCR Loan quote

Tell us about the property and we will follow up with scenario specific terms. No tax returns required.

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Lendingplace, Inc. NMLS ID 2003033. Licensed by the California DFPI under the CRMLA, License 60DBO-116526, and in Florida, License MBR4920. Equal Housing Opportunity. This is not a commitment to lend. DSCR Loans are business purpose loans for investment properties, not for personal, family, or household use.

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