DSCR financing lets Key West real estate investors qualify entirely on the property's rental income — not personal income. Down payment is typically 25% ($223,800 on Key West's $895,000 median), and there are no income documents, no tax returns, and no employment verification. Properties can close directly in an LLC.
Key West regulates short-term rentals — permits are required and may be capped in certain zones. Before closing on a DSCR property targeting STR income, confirm: (1) an STR permit is available for that address, (2) the permit is transferable or a new one can be obtained, and (3) the STR income projection is based on permitted, not speculative, rental activity.
DSCR loans are not limited to STR — long-term rental properties in Key West qualify equally. We run DSCR analysis for both income scenarios so you can choose the highest-return strategy.
Send us the property address and projected rent and we'll run a full DSCR analysis same day — including rate scenarios at 20%, 25%, and 30% down.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624