DSCR (Debt-Service-Coverage-Ratio) loans let real estate investors in Florida qualify based on a property's rental income instead of personal income, W-2s, or tax returns. If the rent covers the payment, you can qualify — and you can close in an LLC to keep deals off your personal credit. It's the workhorse loan for building a rental portfolio.
See what you qualify for in Florida
2 minutes · no credit impact · a specialist follows up fast.
Why borrowers in Florida choose Fetti for dscr loans
•Subject property's rent or market-rent estimate (Form 1007)
•Credit score (typically 660+)
•Down payment / equity (often 20–25%)
•The property address in Florida
How it works
Tell us about your deal. 2 minutes, no credit impact.
We match you to the right dscr loans structure for Florida.
A specialist reaches out fast with your options.
Close and fund your deal.
DSCR Loans in Florida — FAQ
What DSCR do I need to qualify in Florida?
Most programs want a ratio of 1.0–1.25 (rent covers the payment). Some allow sub-1.0 with a larger down payment. We'll quote your exact deal in minutes.
Do DSCR loans check my personal income?
No. DSCR loans qualify on the property's cash flow, not your personal income or tax returns — which is why investors and self-employed buyers love them.
Can I close a DSCR loan in Florida in an LLC?
Yes — closing in an LLC is standard for DSCR and keeps the financing off your personal credit. We set it up correctly so it doesn't slow your close.
