Qualify the property, not your paycheck.
A DSCR loan looks at whether the rental income supports the payment on the property. No tax returns, no W-2s, no employment history. The write-offs that make you a smart operator stop counting against you, and your personal debt-to-income ratio stops being the gate.
This is for you if…
- You are buying or refinancing a rental property
- Your tax returns understate your real cash flow
- You already own properties and DTI is capping your growth
- You want to hold title in an LLC
DSCR Loans for Tampa Bay Investors
Long-term rentals
Standard leased single-family, condo, townhome, and small multifamily properties.
Short-term rentals
Vacation and nightly-rental properties, which matters in a market with Tampa Bay’s tourism base.
2–4 unit properties
Small multifamily treated as investment property rather than as a personal residence.
LLC vesting
Available in many cases, so the property can be held the way your attorney and CPA prefer.
Program availability and eligibility requirements vary and are subject to change. Nothing on this page is a commitment to lend or an offer of specific terms. Not all applicants qualify.
DSCR / Investor: common questions
What does DSCR stand for?
Debt service coverage ratio. It compares the property’s rental income to the payment obligation on the loan. It is a measure of the property, not of you.
Do I need to show my personal income?
No. DSCR programs are designed to qualify without tax returns, W-2s, or employment verification. Credit and reserves still matter.
Can I use a DSCR loan for a short-term rental?
In many cases, yes. Short-term rental income can be treated differently from long-term lease income depending on the program, so it is worth reviewing the specific property.
Can I close in an LLC?
Often, yes. LLC vesting is available on many DSCR programs, which is one of the main reasons investors choose them.
Other programs
Let’s find out where you actually stand.
One conversation, no cost, no pressure. I’ll tell you what’s possible and what isn’t, including when the honest answer is “not yet.”