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 arrange 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.
A DSCR (debt service coverage ratio) loan qualifies a Florida rental on the rent it brings in compared with its monthly payment — not on your personal income. This page is our statewide guide: the average numbers across every Florida market we model, the markets where rent covers the payment best, and links to each city and county.
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.
Florida DSCR numbers at a glance
How a typical Florida DSCR loan pencils out
Take the Florida average: a $527,822 rental bought with 20% down ($105,564) leaves a $422,257 loan. At an illustrative 7.50% 30-year fixed rate, principal, interest, taxes and insurance come to about $4,014 a month, against average market rent of $3,156 across the markets we model. On those averages rent falls about $858 a month short — but averages hide the spread, because expensive markets pull the payment up. Market by market, the typical estimated DSCR is 0.87x, and 27 of 101 Florida markets reach the 1.0x most lenders want at their median price.
A DSCR lender doesn't look at your W-2s, tax returns or personal debt-to-income ratio. It looks at that one ratio, your credit score, your down payment and your cash reserves. That's why the same investor can qualify in one Florida market and fall short in another — the property decides.
Averages are calculated across 101 Florida markets at each market's median price and modeled market rent. They are estimates, not appraisals or a loan offer. The baseline conforming limit used in our models is $847,440, rising to $990,150 in the state's high-cost counties.
Best cash-flow Florida markets for DSCR loans
Ranked by estimated DSCR at the median price with 20% down. Open a market for its full rent, payment and property-type breakdown.
| Market | Median price | Est. rent | Est. PITIA | Est. DSCR |
|---|---|---|---|---|
| Immokalee DSCR loans | $285,000 | $2,600/mo | $2,187/mo | 1.19x |
| Callahan DSCR loans | $295,000 | $2,700/mo | $2,264/mo | 1.19x |
| DeFuniak Springs DSCR loans | $285,000 | $2,600/mo | $2,187/mo | 1.19x |
| Panama City DSCR loans | $295,000 | $2,700/mo | $2,264/mo | 1.19x |
| Pensacola DSCR loans | $295,000 | $2,700/mo | $2,264/mo | 1.19x |
| Chiefland DSCR loans | $188,000 | $1,575/mo | $1,338/mo | 1.18x |
| Marianna DSCR loans | $182,000 | $1,525/mo | $1,296/mo | 1.18x |
| Bonifay DSCR loans | $195,000 | $1,600/mo | $1,388/mo | 1.15x |
| Lake Placid DSCR loans | $218,000 | $1,750/mo | $1,552/mo | 1.13x |
| Brandon DSCR loans | $385,000 | $3,200/mo | $2,955/mo | 1.08x |
| Cape Coral DSCR loans | $385,000 | $3,200/mo | $2,955/mo | 1.08x |
| North Port DSCR loans | $385,000 | $3,200/mo | $2,955/mo | 1.08x |
Florida DSCR loan guides
Top Florida DSCR markets
Florida rental markets by county
101 Florida markets, grouped into 25 county hubs. Open a city for its rent, payment and DSCR numbers, or a county to compare its markets.
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 is a licensed mortgage broker that arranges DSCR investor loans across Florida through wholesale lending partners, for long-term rentals and for short-term (Airbnb / VRBO) rentals where local zoning allows.
What's the minimum down payment for a DSCR loan in Florida?+
20% is the common minimum on a long-term rental with a 1.0+ ratio. 25% is typical for short-term rentals or ratios under 1.0. A few lender programs allow 15% down with 740+ credit and a strong ratio.
How is the DSCR ratio calculated?+
Divide the property's monthly rent by its full monthly payment — principal, interest, taxes, insurance and any HOA dues (PITIA). $2,400 of rent against a $2,000 PITIA is a 1.20x DSCR. Most lenders want 1.0x or higher; some accept 0.75x with more down and a higher rate.
Do Florida rentals cash-flow on a DSCR loan?+
Across the 101 Florida markets we model, the average estimated DSCR is 0.87x at 20% down, and 27 of 101 markets reach 1.0x or better at their median price and market rent. These are modeled estimates — the appraiser's rent schedule decides the real ratio.
What are DSCR loan rates in Florida?+
DSCR rates are priced file by file and usually run above conventional investor rates. Credit score, down payment, the ratio itself, loan size, prepayment-penalty choice and property type all move the price. Our Florida market models use an illustrative 7.50% 30-year fixed rate; request a quote for live pricing.
Can I close in an LLC in Florida?+
Yes. Florida DSCR loans commonly close in an LLC, partnership or corporation. A personal guaranty is usually still required.
What credit score do I need?+
Most DSCR programs start around 660–680 credit. The best pricing usually starts at 740+. Some programs accept 620 with a larger down payment.
How fast can a Florida DSCR loan close?+
Many purchases close in about 21–30 days and refinances in about 15–25 days. Appraisal scheduling, title and insurance are the usual timing factors.
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.