The property qualifies — not your tax returns. If the rent covers the payment, you can finance it. Built for self-employed investors and portfolio builders in Florida & Texas.
DSCR stands for Debt-Service Coverage Ratio: the property's rental income divided by its full payment (principal, interest, taxes, insurance, association dues). A ratio of 1.0 means the rent exactly covers the payment; lenders typically want 1.0–1.25+. No W-2s, no personal tax returns, no employment verification — the deal stands on its own.
Many DSCR programs accept short-term and seasonal rental income — a real advantage in Southwest Florida's vacation rental market. Documentation requirements vary by lender; we'll match you to one that fits your property.
Options exist — some programs allow sub-1.0 ratios with more down or reserves, or we restructure the deal. Run it through our DSCR calculator first, then let us pressure-test it.
Yes — most DSCR lenders allow (and investors prefer) closing in an LLC. You'll personally guarantee the loan, but title and liability sit with the entity.
Send us the numbers — rent, price, taxes — and we'll tell you if it flies, and at what terms.