Home Purchase
Buy a home in Florida with personal guidance from contract to close. Learn more →
DSCR / Investment Loans · Florida
DSCR Loans in Florida — Finance Investment Properties Based on Rental Income
DSCR (Debt Service Coverage Ratio) loans qualify the borrower based on the rental income the property is expected to generate — not the borrower's personal income or tax returns. Homesite Mortgage helps Florida real estate investors finance Florida properties.
DSCR Loans in Plain English
Underwriting the Property, Not the Borrower's Paystubs
A DSCR loan qualifies the borrower based on the property's ability to generate enough rental income to cover the mortgage payment — its Debt Service Coverage Ratio. The DSCR is calculated by dividing the property's projected rental income by its monthly debt service (the proposed mortgage payment, including taxes and insurance).
In other words: the lender underwrites the deal based on the property's cash flow, not your W-2, tax returns, or personal debt-to-income ratio. For real estate investors who keep their personal finances separate from their portfolio, this can simplify qualification significantly.
Who DSCR Is For
Built for Florida Real Estate Investors
- Real estate investors buying or refinancing Florida rental properties.
- Portfolio builders adding properties without re-documenting personal income on every deal.
- Self-employed investors who want to keep personal income separate from property qualification.
- Investors with multiple existing properties where conventional debt-to-income limits become a barrier.
How Qualification Works
Rental Income vs. Personal Income
Instead of evaluating your W-2s, tax returns, and personal debt picture, a DSCR lender looks at:
- Projected rental income for the property — usually based on a rent appraisal or lease in place.
- The proposed mortgage payment — principal, interest, taxes, insurance (PITI).
- The ratio between them — that's the DSCR.
Higher rental-to-payment ratios generally improve loan terms. We don't quote specific DSCR thresholds as guarantees — programs and standards change. We will explain what current investor-loan guidelines look like and whether your deal pencils.
Florida-Only · Why Homesite
Family-Owned, Florida-Only, + Years In
Homesite Mortgage is licensed in Florida. We finance Florida properties for Florida investors — no out-of-area surprises at closing.
- + years originating loans for Florida real estate.
- Licensed statewide. Homesite Mortgage originates loans in Florida only.
- Direct access to our team on every deal — no junior loan officers, no call centers.
- Processing and closing handled by our team — who know what investor files look like.
Ready to start?
See If DSCR Fits Your Next Florida Investment
Every submission is reviewed personally; our team typically follows up as soon as we can.
Start My Free Prequal →Or call us directly: 321-751-4403 · tcloans1@gmail.com