DSCR Financing in FL

DSCR Loans in Florida

Theme-park STRs, coastal appreciation, no state income tax, and a hurricane-insurance reality investors must underwrite. Florida is the most diverse DSCR market in the country.

Local Market Context

Investor Markets in Florida

Tampa

High-volume SFR and STR market with strong appreciation and balanced cash flow.

Orlando

Theme-park STR engine. Kissimmee and Davenport are two of the country's deepest vacation rental markets.

Jacksonville

Cash-flow market with affordable entry, Naval Station Mayport tenants, and BRRRR inventory.

Miami / Fort Lauderdale

Luxury STR, coastal SFR, and a deep international-buyer market.

Cape Coral / Fort Myers

Gulf Coast vacation rentals with strong seasonal STR demand.

Common Properties

What Investors Finance in Florida

✓Orlando-area STRs (Kissimmee, Davenport, Clermont)
✓Tampa Bay SFRs and small multifamily
✓Jacksonville BRRRR and cash-flow SFRs
✓Miami and Fort Lauderdale coastal SFR and condo rentals
✓Cape Coral and Fort Myers Gulf STRs
✓Section 8 inventory in Jacksonville and Tampa

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Florida

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in Florida is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Florida DSCR FAQ

Does Get Brick Capital offer DSCR loans in Florida?

Yes. Florida is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Florida?

Yes. Program 7 can be available in Florida for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Florida DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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