DSCR loans in Florida.
Qualify on the property's rental income — not your tax returns. Close in an LLC. 20–25% down. Long-term and short-term rental friendly across Florida.
Florida is our second home market. We close DSCR loans across the Gulf Coast (Tampa, Sarasota, Naples, Fort Myers), Central Florida (Orlando, Kissimmee), the Panhandle (Destin, 30A, Pensacola), and South Florida — long-term rentals and vacation rentals alike. No state income tax and deep STR demand make it one of the strongest investor markets in the country.
Important: STR rules are city- and county-specific in Florida (Miami Beach, Naples, and parts of Orlando restrict short terms). We confirm zoning and licensing before quoting.
Top Florida DSCR markets
Florida rental markets by county
101 Florida markets, grouped into 25 county hubs. Open a county for its city-by-city rent, payment and DSCR numbers.
More Florida markets
DSCR at a glance in Florida
- 20–25% down (15% on select shelves with 740+ FICO and 1.25+ DSCR)
- 660 minimum FICO typical · 620 with larger down on some shelves
- DSCR 1.0+ standard · 0.75 with a rate add-on
- 3–6 months PITIA reserves (6 months on STR)
- Close in an LLC, partnership, or corp
- No tax returns · no W-2s · no personal DTI calculated
DSCR calculator
Monthly rent ÷ monthly PITIA (principal + interest + taxes + insurance + association dues).
Florida DSCR FAQs
Do you offer DSCR loans in Florida?+
Yes. Tayton Capital originates DSCR investor loans across Florida for both long-term rentals and short-term (Airbnb / VRBO) rentals where local zoning allows.
What's the minimum down payment for a DSCR loan in Florida?+
20% is the standard minimum on LTR DSCR with a 1.0+ ratio. 25% is typical for STR or sub-1.0 DSCR ratios. Some shelves go to 15% with 740+ FICO and a strong ratio.
Can I close in an LLC in Florida?+
Yes. Florida DSCR closings routinely go into an LLC, partnership, or corp. A personal guaranty is usually still required.
What credit score do I need?+
Most Florida DSCR shelves start at 660–680 FICO. Best pricing kicks in at 740+. We have programs that accept 620 with larger down.
How fast can a Florida DSCR loan close?+
Purchases close in 21–30 days; refinances in 15–25 days. We coordinate appraisal, title, and insurance in-house to keep your timeline tight.
Get a Florida DSCR quote
Send the property address and projected rent — we'll send back a rate, terms, and max loan amount within one business day.