Finance rental properties across the Sunshine State based on cash flow. No tax returns, no income verification, no hassle.
A DSCR (Debt Service Coverage Ratio) loan sizes your financing based on the property's rental income relative to the mortgage payment. No W-2s, no personal income verification, no employment history. Just the property's cash flow. Learn more about how DSCR works.
Florida is the largest DSCR loan market in the country, driven by sustained population growth, zero state income tax, and a rental market that spans major metros, suburban communities, and coastal towns. DSCR financing gives Florida investors a streamlined path to acquire and refinance properties without the documentation burden of conventional lending. See all our Florida lending programs.
South Florida (Miami, Fort Lauderdale, West Palm Beach) offers premium rental rates and strong demand from a mix of domestic relocations and international tenants. Miami-Dade and Broward counties are particularly active for condo and multifamily investors. The Tampa Bay metro, including St. Petersburg and Clearwater, has emerged as one of the fastest-growing rental markets in the Southeast, with a diversified economy and expanding healthcare and tech sectors.
Central Florida's Orlando and Kissimmee corridor benefits from tourism, a massive service economy, and consistent population inflows. Jacksonville provides a more affordable entry point with strong military, logistics, and healthcare employment driving rental demand. Southwest Florida markets like Naples, Cape Coral, and Fort Myers round out the state's investment landscape. Florida's combination of no state income tax, landlord-friendly laws, and year-round demand makes it the top destination for DSCR-financed rental portfolios.