Finished the renovation, got the certificate of occupancy, and the units are still empty. Here is how DSCR lenders count rent when there is no lease, what an ADU changes, and how to run your own ratio.
Read more "Can You Get a DSCR Loan on a Vacant Rental or a Brand-New ADU?"
Fannie Mae caps you at 10 financed properties and grinds your DTI to a halt. DSCR loans don’t care about your day job, your tax returns, or your personal debt ratio. They only care about the property’s math.
Your tax return doesn’t have to kill your deal. Learn how Florida real estate investors use DSCR loans to qualify on rental income alone — no W2s, no pay stubs, no employment verification required.
DSCR loan rates for Florida investors sit at 6.12% domestic and 6.875% foreign national as of May 2026. Tariff-driven rate swings are real and they’re moving fast. Here’s exactly what’s causing the volatility, the framework I use with my own investors to decide when to lock — and a free Rate Lock Breakeven Calculator to run your specific numbers.