Florida DSCR Loan Lenders for Long-Term and Short-Term Rentals

Are you seeking long-term private financing for a residential rental property in Florida? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Florida’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 5 to 30 years.
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Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Griffin Funding

DSCR Long-Term Rental Loans for Residential Investment Properties

$100,000 - $5,000,000
360 to 360 months
1.00% - 3.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 3.00%
Coastal Equity Group

Direct Private Lender for Real Estate Investors in the Southeast

$100,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%

Florida DSCR Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for Florida DSCR long-term rental loans in the 1st quarter of 2024 was 7.88%. The average loan amount was $299,449. These stats are the average of 362 loans funded for residential rental properties in Florida between October 1, 2023 and December 31, 2023 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

 

Select a Metro Area

Florida is a huge state, and some DSCR lenders only consider specific regions. Filter your search by selecting a metro area:

Miami & Fort Lauderdale | Orlando | Tampa Bay | Jacksonville | Palm Beach County | Fort Myers | Tallahassee | Pensacola

 

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