Hard Money & DSCR Loans in Florida

DSCR loans in Florida: qualify on the property's rent, not your tax returns — the fit for a state where investors hold everything from Jacksonville single-families to Kissimmee vacation homes. Florida DSCR programs count long-term market rent, and many count short-term-rental income on booking history — decisive in the Orlando corridor and coastal STR markets where nightly income far outruns market rent. Typical shape: 30-year terms (fixed and adjustable), roughly 20-25% down on purchases, DSCR thresholds near 1.0-1.25, LLC borrowers standard, insurance quotes required up front because Florida premiums move the ratio. No state income tax helps the hold math. Cash-out DSCR refinances on appreciated Florida rentals are one of the most common uses — recycling equity into the next acquisition.

Florida is a judicial-foreclosure state — defaults run through the courts, which takes longer than trustee-sale states — and lenders price that timeline into Florida programs; it is one reason documentation and title quality get extra attention here. Mortgages (not deeds of trust) are the security instrument. Business-purpose, non-owner-occupied lending is the lane for every program we offer: investment property only, no primary residences. Florida's insurance market is the other underwriting constant — wind and flood coverage by zone gets verified before closing, not after. Standard disclosures apply; this is general information, not legal advice.