DSCR Loans, Florida
Florida consistently ranks as one of the top states for real estate investment. No state income tax, year-round tourism demand, strong population growth, and a robust short-term rental market make it
Published by Pinnacle Funding Network | Updated March 2026
Florida consistently ranks as one of the top states for real estate investment. No state income tax, year-round tourism demand, strong population growth, and a robust short-term rental market make it ideal for both buy-and-hold and STR investors.
Pinnacle Funding Network provides DSCR loan financing for investment properties across Florida - from Miami to Tampa, Orlando, Jacksonville, and the Gulf Coast.
No state income tax. Like Texas, Florida doesn't tax income at the state level. Rental income, capital gains, and business income benefit from this tax-friendly structure.
Tourism-driven STR demand. Florida's beaches, theme parks, and year-round warm weather create consistent short-term rental demand. STR investors can qualify for DSCR loans using AirDNA projections or actual booking history.
Population growth. Florida has been a top destination for domestic migration. Remote workers, retirees, and families relocating from higher-cost states drive rental demand across most metros.
Diverse market options. From luxury condos in Miami Beach to affordable duplexes in Jacksonville, Florida offers investment opportunities across every price point and strategy.
| Parameter | Details |
|---|---|
| Available Markets | Statewide - all Florida metros and coastal areas |
| Property Types | SFR, 2-4 unit, condo, townhome, 5+ unit |
| Loan Range | $55,000 - $5,000,000 |
| LTV | Up to 80% (purchase), 75% (cash-out refi) |
| DSCR Minimum | 1.00x |
| Credit Score | 660+ |
| Income Docs | None required |
| Close Time | 14-21 business days |
| Rate Range | 7.00% - 8.50% (30yr fixed) |
Hurricane insurance. Florida properties require windstorm insurance, and in some coastal areas, flood insurance through FEMA or private carriers. Insurance costs in Florida have risen significantly - budget $3,000-8,000/year for a typical investment property, and more in high-risk coastal zones. These costs directly impact your PITIA and DSCR.
Condo association requirements. Florida has specific condo lending requirements following the Surfside tragedy. Lenders may require updated reserve studies, structural inspections, and proof that the condo association meets minimum insurance and reserve thresholds. Not all Florida condos qualify for financing - verify before going under contract.
STR regulations vary by city. Miami Beach, Fort Lauderdale, Orlando, and other cities each have different short-term rental rules. Some require licenses, some restrict non-owner-occupied STRs, and regulations change frequently. Verify local rules before buying an STR property.
Homestead and property tax. Investment properties in Florida do not qualify for homestead exemption. Property tax rates vary by county but generally range from 0.8-1.2% of assessed value - lower than Texas but still a meaningful PITIA component.
Miami / Fort Lauderdale. Strong rental demand from both long-term tenants and seasonal visitors. Higher entry prices but premium rents. STR potential in beach-adjacent areas is significant.
Tampa / St. Petersburg. Growing population, improving job market, and more affordable than South Florida. Solid rent-to-price ratios in suburban areas.
Orlando. Theme park tourism drives STR demand. Long-term rental demand is also strong due to population growth and healthcare/tech employment.
Jacksonville. The most affordable major Florida metro. Strong military presence (Naval Station Mayport) provides reliable tenant demand. Best cash-flow market in the state.
Gulf Coast (Destin, Panama City, Naples). Premium STR markets with strong seasonal demand. Higher insurance costs but high revenue potential for well-managed properties.
We finance investment properties across every Florida market - long-term rentals, short-term vacation properties, and everything in between. Our lenders have dedicated STR programs that use AirDNA data for Florida markets.
James Loffredo, Principal
Pinnacle Funding Network
214-846-8602
james@pinnaclefundingnetwork.com
pinnaclefundingnetwork.com
Pinnacle Funding Network is a mortgage broker. PFN does not make loans or credit decisions. Loans are originated through PFN's lending partners. Rates, terms, and programs are subject to change. All loan applications are subject to credit review, property appraisal, and underwriting approval.