DSCR Loans, Jacksonville, FL
Jacksonville is the strongest cash-flow DSCR market in Florida. Pinnacle Funding Network finances long-term rentals across Mandarin, Riverside, and the Westside, fix and flip and BRRRR in Springfield and Murray Hill, beach DSCR and STR in Atlantic Beach and Neptune Beach, and BAH-supported holds adjacent to Naval Station Mayport and NAS Jacksonville, with cash-flow qualification, no tax returns, and a same-day written quote.
Published by Pinnacle Funding Network | Updated May 2026
Jacksonville is the most reliable cash-flow DSCR market in Florida. The combination of affordable entry pricing, the strongest rent-to-price ratios of any major Florida metro, a deep wholesaler ecosystem, two major Navy installations that anchor a permanent BAH-supported tenant base, and Duval County's fast title-and-recording timeline has produced a market where DSCR ratios above 1.10x at standard 80 percent LTV are typical rather than exceptional. The Jacksonville investor who underwrites well does not chase appreciation; they compound cash flow, refinance into long-term holds, and scale a portfolio at lower price points than any other major Florida metro permits.
Pinnacle Funding Network is a DSCR-specialist lender purpose-built for the Jacksonville investor. DSCR is the lead product, with fix and flip across Duval, BRRRR (the Jacksonville signature play), bridge, beach STR DSCR for Atlantic Beach and Neptune Beach properties, ground-up new construction in the suburban growth ring, foreign national, and self-employed programs all available through one relationship. This page exists to give serious Jacksonville investors everything they need to underwrite Pinnacle as a capital partner and the Jacksonville market as a deployment target, in one place.
Jacksonville has four structural drivers that make it work for DSCR investors at price points where most of Florida no longer works. Understanding these is the difference between picking properties that pencil and picking properties that don't.
1. The strongest rent-to-price ratios in Florida. Jacksonville median home prices run roughly 30 to 50 percent below Miami and Fort Lauderdale, 15 to 25 percent below Tampa, and 20 to 30 percent below Orlando, while rents are only 15 to 30 percent lower. The math difference is real and structural. A $295K Mandarin 3BR SFR rents at $2,400 (gross yield around 9.8 percent) where the equivalent Tampa property at $385K rents at $2,650 (gross yield around 8.3 percent) and the equivalent Miami property at $725K rents at $4,200 (gross yield around 7.0 percent). DSCR ratios above 1.10x at standard 80 percent LTV are typical rather than exceptional in Jacksonville.
2. Two major Navy installations supporting a permanent BAH tenant base. Naval Station Mayport is the third-largest naval surface base in the United States. NAS Jacksonville is one of the largest naval air stations on the East Coast. Combined military and civilian employment across both installations runs roughly 70,000. The result for DSCR investors is a reliable, BAH-supported tenant pool: BAH rates for E-5 and E-6 with dependents support typical Jacksonville rents in Atlantic Beach, Neptune Beach, Mayport Village, Arlington, and parts of San Marco directly. This is a structural rent-floor that does not exist in markets without major military installations.
3. A deep wholesaler ecosystem and active BRRRR inventory. Jacksonville has one of the most active wholesale and off-market real estate ecosystems in the Southeast. Springfield, Murray Hill, the Westside, and parts of Mandarin produce a steady flow of distressed and value-add inventory suited to the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). Investors with established wholesaler relationships can build pipeline at price points that allow the rehab spread to fund the down payment on the next acquisition.
4. Duval County process speed plus Florida structural advantages. Duval County title and recording timelines are among the fastest in Florida, frequently 1 to 3 days faster than Hillsborough or Miami-Dade. Permitting in the City of Jacksonville is generally efficient by Florida standards. Combined with no state income tax, no homestead exemption for investment property (factored honestly in underwriting), and Atlantic-coast hurricane insurance pricing that runs meaningfully below South Florida, Jacksonville is operationally easier to scale a DSCR portfolio in than most other Florida metros.
Jacksonville is not a single market. It is at least seven distinct submarkets across Duval County (and a few that spill into St. Johns and Clay) with very different price points, rent ranges, DSCR profiles, and tenant demographics. The submarket determines almost every other variable in the deal. Pinnacle has financed DSCR loans across all of these. Below is the operational read on each.
Gentrified historic urban core, premium LTR, walkable. Tree-lined streets of bungalows, Craftsman homes, and Tudor revivals along the west bank of the St. Johns River. Strong appreciation history through gentrification, walkable to King Street and Park Street restaurant corridors, established premium-tenant demand from professionals and families. The Jacksonville submarket most often compared to Tampa's Hyde Park or Orlando's Winter Park.
Typical purchase price: $385K-$625K. Typical monthly rent: $2,400-$3,400. Typical DSCR (80% LTV at current rates): 0.95-1.15x. Best for: DSCR investors prioritizing appreciation plus premium tenant base in a walkable urban submarket, willing to accept thinner DSCR than the Westside or Mandarin for stronger long-term equity build.
Gentrified mid-tier LTR, value-add inventory, BRRRR-friendly. West of Riverside, similar historic bungalow inventory at lower price points, on the front end of the gentrification curve. Walkable to the Edgewood Avenue commercial corridor. Strong tenant demand from professionals priced out of Riverside-Avondale plus a meaningful BRRRR investor presence rehabbing inventory.
Typical purchase price: $245K-$365K. Typical monthly rent: $1,800-$2,400. Typical DSCR (80% LTV): 1.05-1.30x. Best for: Cash-flow-plus-appreciation investors and BRRRR operators targeting historic bungalow inventory with rehab upside on the gentrification curve.
Suburban family LTR, top-tier school district, the Jacksonville DSCR workhorse. Southern Duval County family neighborhood along the east bank of the St. Johns River. Top-rated public schools (Mandarin Oaks, Crown Point, Loretto), abundant 3BR/2BA SFR inventory from the 1980s through 2000s, reliable family-segment tenant demand. The most predictable DSCR submarket in Jacksonville.
Typical purchase price: $285K-$395K. Typical monthly rent: $2,200-$2,800. Typical DSCR (80% LTV): 1.10-1.35x. Best for: Cash-flow-first investors building portfolio scale. Predictable comps, predictable family tenant demand, predictable maintenance.
Entry-level cash-flow, working-class LTR, the volume play. Western Duval County working-class neighborhoods (Marietta, Cedar Hills, Lakeshore, Murray Hill west of Edgewood). Lower entry pricing, strong working-class tenant demand from the hospitality, healthcare, and logistics workforce, accessible BRRRR inventory. Some Westside pockets sit adjacent to NAS Jacksonville's housing-allowance support area.
Typical purchase price: $185K-$285K. Typical monthly rent: $1,500-$2,000. Typical DSCR (80% LTV): 1.15-1.45x. Best for: Volume cash-flow investors and BRRRR operators scaling portfolios at the most accessible Jacksonville price band.
BRRRR and value-add territory, historic district, active rehab market. Historic neighborhood just north of downtown Jacksonville with 1880s through 1920s housing stock. Active rehab and rebuild ecosystem, gentrification curve well underway, growing professional-class tenant base. The Jacksonville BRRRR signature submarket; if you can underwrite a Springfield rehab, you can underwrite any Florida BRRRR.
Typical purchase price: $145K-$265K. Typical rehab budget: $55K-$130K (most properties need full or partial rehab). Typical ARV: $295K-$475K. Typical monthly rent post-rehab: $1,900-$2,600. Best for: BRRRR operators and value-add fix and flip investors comfortable with historic-district permitting and substantive rehab scope.
Coastal premium LTR plus moderate STR, BAH-supported tenant base. Atlantic-coast beach communities at the eastern end of Duval County. Premium SFR inventory, walkable beach-town character, adjacent to Naval Station Mayport (strong BAH tenant absorption). Atlantic Beach and Neptune Beach restrict STR more than Jacksonville Beach proper; verify by address. LTR profile is strong; STR is meaningful where permitted.
Typical purchase price: $625K-$1.1M (SFR), $385K-$625K (condo). Typical monthly LTR rent: $3,200-$4,500. Typical STR ADR (where permitted): $245-$385. Typical DSCR (80% LTV, LTR): 0.85-1.05x. Best for: Premium-LTR investors targeting beach inventory with BAH-supported tenant absorption, or STR DSCR investors at addresses where the local ordinance permits.
Premium SFR LTR, established demographic, Riverside-adjacent. Premium established neighborhood west of the St. Johns River, Florida Country Club, top private schools (Episcopal School of Jacksonville, Bolles, San Jose Catholic). Strong long-term family rental demand from professionals willing to pay premium for school district and established-neighborhood feel. STR generally restricted.
Typical purchase price: $525K-$895K. Typical monthly rent: $2,900-$4,200. Typical DSCR (80% LTV): 0.90-1.10x. Best for: DSCR investors prioritizing appreciation in an established premium submarket with reliable family-segment tenant demand.
All ranges above reflect typical recent activity at the time of publication. Specific deals are underwritten to actual comparable rents and sales within 0.5 miles in the last 6 months. Numbers move; the appraisal decides.
The mechanics of a Pinnacle Funding Network DSCR loan in Jacksonville are designed for the actual Jacksonville investor: cash-flow-first, BRRRR-active, portfolio-scaling at price points lower than the rest of Florida.
30-year fixed (and ARM options). Standard product is a 30-year fixed-rate loan. ARM products (5/1, 7/1, 10/1) are available for investors who want lower starting rates and have a defined exit or refinance timeline.
LTV up to 80% on purchase. Up to 80 percent loan-to-value on purchase; 75 percent on cash-out refinance; rate-and-term refinances can match purchase LTV. At Jacksonville price points, DSCR ratios above 1.10x at standard 80 percent LTV are typical, which means most Jacksonville investors do not need to drop LTV to qualify.
20% down standard. 20 percent down on standard purchases. The highest-leverage ARM tiers may require 25 percent. Lenders typically look for 6 to 12 months of PITIA reserves on most files; the relatively low PITIA on Jacksonville price points makes the reserve requirement modest in dollar terms.
DSCR minimum 1.00x for top pricing. 1.00 DSCR (rental income equals total PITIA) qualifies for best pricing. Programs are available down to 0.75 DSCR with rate adjustment. Most Jacksonville deals qualify well above the 1.00 threshold, which means investors typically have headroom to absorb minor rate increases or property tax growth.
No tax returns, no W-2s, no employment verification. The property qualifies, not the borrower's personal income. Documentation is property-side: lease (if existing tenant) or market rent appraisal.
Loan range $55K to $5M. Sized to the deal. Entry-level Westside $195K purchases are funded the same way as $895K Ortega SFR holds. Critically, the $55K minimum is meaningful in Jacksonville: Westside and Springfield BRRRR opportunities sometimes underwrite to loan amounts below $100K, and many lenders won't fund those. Pinnacle's program range covers them.
Rates and pricing. May 2026 indicative rate range is approximately 7.00 to 8.50 percent on a 30-year fixed, depending on FICO band, LTV, and DSCR. Origination typically 1 to 2 points. Pinnacle quotes terms in writing before any application fee.
Close in 14-21 days. Standard close is 14 to 21 business days, typically toward the faster end because Duval County title moves quickly. Cash-tight or auction situations 7 to 14 days when the file is clean. The most common Jacksonville-specific bottleneck is the insurance binder on St. Johns River and Atlantic-adjacent flood zone properties; order it on day one of due diligence.
Foreign national and self-employed qualifying available. Foreign national investors qualify with no US credit history and asset-based reserves. Self-employed investors can qualify on bank statements or, more commonly, on the property's DSCR with no personal income documentation at all.
The following is a representative cash-flow DSCR deal in Mandarin. Specific terms are quoted on the actual deal at application.
Property: 3BR/2BA SFR, 1,640 sqft, built 2002, Mandarin (Duval County).
Purchase price: $295,000
Loan structure (80% LTV): $236,000 loan amount, 30-year fixed, 7.50 percent rate.
Monthly PITIA breakdown:
Principal & Interest: $1,650
Property Tax (Duval County, prorated): $215
Hurricane / Windstorm Insurance: $235
HOA: $0 (most Mandarin SFRs have no HOA)
Total PITIA: $2,100
Property income: Market rent supported by appraisal: $2,400/month
DSCR calculation at 80% LTV: $2,400 / $2,100 = 1.14x
Comfortably above the 1.00 DSCR target for top pricing, with $300/month positive cash flow after PITIA. This is the typical Jacksonville Mandarin profile: a deal that qualifies cleanly at top pricing without requiring the investor to drop LTV or accept a sub-1.0 DSCR program.
Annualized cash flow at acquisition: $300/month x 12 = $3,600/year before vacancy and maintenance reserves. At 5 percent vacancy and 8 percent maintenance reserve, net cash flow is approximately $1,500 to $2,000/year, on top of the principal pay-down build-up (approximately $3,200 in year one).
Cash-on-cash return analysis: Investor cash to close is approximately $67,000 ($59,000 down + $8,000 closing). Year-one combined return (net cash flow plus principal paydown) is approximately $4,700 to $5,200, or roughly 7 to 8 percent cash-on-cash before appreciation. With typical Jacksonville rent growth of 3 to 4 percent annually, the cash-on-cash improves each year of the hold while the DSCR ratio strengthens.
This is the math that makes Jacksonville scale. The investor who builds five Mandarin SFRs at similar profiles holds a portfolio with approximately $1,500 per month combined positive cash flow, approximately $16,000 per year in principal paydown, and a portfolio DSCR profile that supports refinance flexibility at every point in the rate cycle.
Jacksonville has one of the deepest Residential Transition Loan (RTL) markets in the Southeast alongside its long-term DSCR market. BRRRR is the Jacksonville signature play: the city's wholesaler ecosystem, value-add inventory in Springfield, Murray Hill, and the Westside, and rent-to-ARV ratios that support DSCR qualification at refinance combine to make BRRRR work here at scale where it would not work in Tampa or Miami. Pinnacle covers the full RTL spectrum through the same relationship that handles DSCR.
Where flips and BRRRR work in Jacksonville. Springfield is the highest-volume rehab submarket; historic district overlay requires permit awareness but the rehab spread is meaningful. Murray Hill produces mid-tier flips at $245K-$345K purchase, $50K-$95K rehab, $375K-$475K ARV. The Westside produces volume cosmetic flips at $185K-$265K purchase, $35K-$70K rehab, $295K-$385K ARV. Parts of Mandarin produce light-rehab BRRRR inventory. San Marco offers premium-tier flips with stronger ARV upside ($425K-$650K). Atlantic Beach and Neptune Beach are coastal premium territory, not flip territory; the entry inventory is already priced near ARV.
Loan-to-Cost up to 90%. Pinnacle finances up to 90 percent of the purchase price plus 100 percent of the approved rehab budget on standard programs. Experienced flippers (3+ completed projects in 24 months) can access 92.5 percent LTC. First-time flippers typically start at 85 percent LTC, still with 100 percent rehab.
Loan-to-ARV cap at 75%. Total loan (purchase + rehab) is capped at 75 percent of After-Repair Value. The underwriting governor that protects the lender and forces deal discipline.
Interest-only during rehab, no prepayment penalty. Monthly payments on funds drawn only. No interest on undrawn rehab capital. Pay the loan off the day after close if you want to.
Term 12 to 24 months. Standard term is 12 months with optional extensions. Most Jacksonville flips exit in 3 to 5 months from close to resale (Duval's fast permitting and title speed help), well inside the term.
Rehab funded in scheduled draws. 3 to 5 draws on cosmetic flips, 6 to 10 on full gut renovations (typical in Springfield). Each draw triggers an inspection and funds wire same-day after the inspection clears.
Loan range $100K to $5M+. Sized to the deal. First-time flippers are eligible with appropriate adjustments to LTC and points.
BRRRR mechanics (the Jacksonville signature play). The BRRRR strategy uses the same fix and flip loan structure with the exit being a refinance into a long-term DSCR loan instead of a sale. After the property is rehabbed, rented, and seasoned (typically 3-6 months), Pinnacle refinances the short-term loan into a 30-year DSCR at 75-80 percent LTV based on the new appraised value. Springfield, Murray Hill, the Westside, and parts of Mandarin all support clean DSCR qualification at refinance because the rent-to-ARV ratio holds up. Most Jacksonville BRRRRs pull substantive cash out at refinance, redeploying capital faster than is possible in higher-priced Florida markets.
Bridge financing. Short-term financing for properties that don't fit a standard purchase or refinance window. Useful for buying at Duval County foreclosure auctions (active calendar), closing on inherited property, or holding while longer-term financing is arranged. 6 to 24 month terms, similar speed and structure to the flip products.
Ground-up new construction. Single-family infill construction and small multi-family up to 8 units. Loan-to-Cost up to 85 percent, 100 percent of construction budget financed in scheduled draws. Jacksonville's highest-volume new construction markets are the southern Duval growth ring (Bartram Park, Nocatee adjacency in St. Johns), the Clay County corridor (Fleming Island, Oakleaf), and infill lot tear-downs in Springfield and Riverside.
Build to Rent (BTR). Build to Rent is a specific RTL program for ground-up construction of single-family or small multi-family rental portfolios from the start. The economics differ from spec-build flips: BTR units are designed for long-term rental from day one (durable finishes, lower-maintenance fixtures). Pinnacle provides bridge construction financing that converts to long-term DSCR holds at completion. Jacksonville BTR activity concentrates in the southern Duval growth ring and the Clay County corridor. See the Build to Rent guide for full program details.
The following is a representative BRRRR structure in Springfield. Specific terms are quoted on the actual deal at application.
Property: 3BR/2BA historic bungalow, Springfield (Duval County). Purchase price $185,000. Rehab budget $95,000 (kitchen, two baths, electrical update, HVAC, paint, flooring, exterior). Total project cost $280,000. ARV $385,000 (supported by Springfield comps within 0.4 miles closed in the last 90 days).
Pinnacle acquisition financing:
Loan-to-Cost: 90% of purchase + 100% of rehab
Purchase financing: $166,500 (90% of $185K)
Rehab financing: $95,000 (100% of approved budget)
Total acquisition loan: $261,500
Loan-to-ARV: $261,500 / $385,000 = 68% (well inside the 75% cap)
Investor capital required at close:
Down payment: $18,500 (10% of purchase)
Closing costs (estimate): $7,500
Total cash to close: ~$26,000
Rehab and rent-up phase (4 months):
Interest-only on drawn capital, ~$1,600/month average over the hold
Stabilized rent at completion: $2,200/month (market-supported by appraisal)
BRRRR refinance into DSCR (after 3-6 month seasoning):
New appraised value: $385,000 (ARV)
DSCR loan at 75% LTV: $288,750
Pays off acquisition loan: $261,500
Returns to investor: ~$27,250 cash out
Net cash effectively invested in permanent asset: roughly $0 (the refinance cash-out recovers the down payment and closing costs)
DSCR ratio at refinance: ~1.05x with positive monthly cash flow after PITIA
This is the BRRRR structure that makes Jacksonville scale. The investor effectively redeploys close to the entire cash investment on the next acquisition while building a permanent income-producing asset. Repeat across a portfolio and the capital recycles faster than any other major Florida market permits.
Beyond DSCR, fix and flip, BRRRR, bridge, and new construction, Pinnacle Funding Network handles the remaining investor product set through the same relationship.
STR / Airbnb DSCR (where permitted). Jacksonville Beach proper is more STR-permissive than Atlantic Beach or Neptune Beach. The St. Johns River and downtown waterfront condo districts have building-specific rules. Pinnacle's STR DSCR programs qualify Jacksonville STR properties using AirDNA market projections or actual booking history where the local ordinance and HOA rules permit. Always verify before going under contract.
Foreign national programs. Jacksonville sees less foreign national volume than Miami or Orlando but is a real market for Canadian and UK retiree-investor capital. Pinnacle's foreign national programs require no US credit history and accept asset-based qualification. Rates carry a 0.50 to 1.00 percent premium and LTV/LTC ratios are 5 to 10 percent tighter.
Self-employed programs. Self-employed investors qualify the same property-cash-flow path as W-2 borrowers (DSCR programs do not require personal income documentation). For non-DSCR scenarios, bank statement programs are available.
Every market has friction points that determine timeline and budget. Here are the ones that consistently matter in Jacksonville.
St. Johns River and Atlantic-adjacent flood zones. Substantial portions of Jacksonville fall in FEMA AE or X-shaded flood zones along the St. Johns River and its tributaries (Arlington River, Trout River, Ortega River) and along the Atlantic coast (Atlantic Beach, Neptune Beach, Jacksonville Beach). Flood insurance through NFIP or private carriers is required in AE zones and adds $1,200-$4,000+ annually depending on elevation and coverage. Pull the FEMA flood map on every property before offer.
Hurricane and windstorm insurance. Mandatory across Jacksonville but meaningfully less expensive than South Florida. Budget $1,800-$3,500 annually for inland Duval SFR; coastal Atlantic Beach and Neptune Beach properties typically run $3,500-$6,500. Order the binder on day one of due diligence; while less of a closing-blocker than in Tampa or Miami, it is still a real line item.
Duval County process speed. Duval is one of the fastest counties in Florida for residential title work, recording, and permitting. Most files close inside the 14 to 18 day window when the borrower is clean. This is a structural advantage that compounds across a portfolio: more deals close per quarter, fewer files drift into the 21-day end of the window.
STR ordinance by beach municipality. Atlantic Beach and Neptune Beach restrict STR more than Jacksonville Beach proper. Duval County (unincorporated) varies. Within the City of Jacksonville, residential single-family zones generally restrict non-owner-occupied STR. Always verify by address and consult the relevant municipal code plus any HOA or condo association rules.
Historic district permitting in Springfield and Riverside. Springfield is a designated historic district with Historic Preservation Commission (HPC) review for substantive exterior work. Riverside has similar overlays in portions of the neighborhood. Permits for window replacement, siding, roofing, and front-elevation changes can run an additional 2 to 4 weeks. Plan the rehab schedule around the HPC calendar from day one.
BAH-supported tenant absorption near the bases. Naval Station Mayport and NAS Jacksonville support a meaningful share of the regional rental market through Basic Allowance for Housing. BAH rates for E-5 and E-6 with dependents in Jacksonville support rents in the $1,800 to $2,400 range directly, which provides a structural rent floor in Mayport-adjacent and NAS-adjacent neighborhoods. This is an underrated structural advantage in Jacksonville DSCR underwriting.
Homestead exemption does not apply to investment property. Investment properties pay full assessed value property tax with no exemption. Duval County rates typically run 0.9 to 1.1 percent of assessed value. Factor this directly into PITIA on every DSCR underwriting.
DSCR programs sized for the Jacksonville price point. The $55K minimum loan amount actually matters here. Westside and Springfield BRRRR opportunities regularly underwrite to loan amounts under $150K, and many lenders won't fund those. Pinnacle's program range covers them, which keeps the smallest deals on the same broker relationship as the largest.
BRRRR-specialist workflow. Jacksonville is a BRRRR market and the lender has to handle the full cycle: acquisition financing, rehab draws, then refinance into long-term DSCR at the new appraised value. Pinnacle covers all three under one relationship, which removes the friction of moving between lenders mid-deal.
Speed. 14 to 21 day close is standard, frequently toward the 14-day end because Duval County title moves quickly. Cash-tight or auction situations close in 7 to 14 days when the file is clean.
Multi-program flexibility under one relationship. Long-term DSCR holds in Mandarin and Ortega, beach DSCR in Atlantic Beach and Neptune Beach, fix and flip across Murray Hill and the Westside, BRRRR in Springfield, ground-up new construction in the southern Duval growth ring. The same broker handles your $215K Westside BRRRR, your $295K Mandarin DSCR purchase, and your $750K Atlantic Beach beach hold.
Honest underwriting. Programs and pricing are quoted before application fees. Term sheet matches close terms. No bait-and-switch on rate, LTV, or DSCR threshold at the closing table.
Mortgage broker model with multiple lender relationships. Pinnacle is not a single-lender retail shop. We place loans across approximately ten institutional DSCR and RTL lenders, which means rate, term, and structure are matched to the deal rather than to a single product menu.
The fastest path from "I have a property under consideration" to "I have a term sheet" is the same-day quote. Submit the property address, purchase price, estimated rent, and your target loan structure at pinnaclefundingnetwork.com/get-quote. We respond with a written term sheet (rate, points, LTV, DSCR threshold, term) typically inside one business day. No credit pull, no application fee, no obligation.
If the term sheet works, the next step is a formal application. From application to close runs 14-21 business days on standard files, often closer to 14 because Duval County moves fast. Title work, appraisal (or rent comp), and the insurance binder all happen in parallel. A clean borrower with a clean property closes in 14. A messy file or a stubborn flood zone insurance situation closes in 21. Either way, fast enough to win deals in Jacksonville.
James Loffredo, Founder and Principal
Pinnacle Funding Network
214-846-8602
info@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. Rent ranges, DSCR estimates, and deal examples on this page are illustrative; actual deal terms depend on property-specific underwriting.