Florida DSCR Loans
Built for Investors
- Up To 80% LTV
- Single Family And Multifamily Properties Up To 10 Units
- Purchase, Refinance, Cash Out
- Long & Short Term Rentals
- 30 Year Fixed, Interest Only Options Available
- No minimum DSCR
- Qualify Based On Property Income
Your Path to Funding
A streamlined process built for speed and simplicity
Apply Online
Submit your loan application with basic property and borrower details. No income documentation needed.
Property Review
We assess the property's rental income potential and calculate the DSCR to determine qualification.
Same-Day Approval
Receive an approval letter within 24 hours so you can make an offer with confidence.
Underwriting
Our team customizes your terms with competitive rates that match your investment strategy.
Clear to Close
Finalize your loan and receive funding quickly so you can secure your investment property.
Stop dreaming & start scaling.
Apply in under a minute
What are DSCR / Investment Loans?
Debt Service Coverage Ratio (DSCR) loans are specifically designed for real estate investors, focusing on the property's ability to generate income rather than the borrower's personal income. This makes them an ideal solution for investors looking to expand their portfolio without the traditional income verification process.
How DSCR is Calculated
The debt service coverage ratio is calculated by taking the expected rental payment and dividing it by the annual mortgage debt. The formula is: Rent Divided by PITIA.
*PITIA: Principle, Interest, Taxes, Insurance, HOA if applicable
Key Benefits
Why investors choose DSCR loans to build their real estate portfolio
Property-Based Qualification
Loans based on property's income potential, not your personal income. The property qualifies itself.
Fast Processing
Streamlined approval process for quick closings. Get same-day income approval on your investment.
Scale Your Portfolio
No limit on the number of properties. Grow your investment portfolio without traditional lending barriers.
What our customers say
First-time buyers, homeowners refinancing, and investors — same desk, clear options, a close you can plan around.
“We were first-time buyers and needed a clear budget before we started writing offers. Primal walked us through conventional vs. FHA, got us a pre-qual letter quickly, and closed on the house we wanted without last-minute surprises.”
“Our rate-and-term refinance was explained in plain English — costs, break-even, and why one program beat the other. They were easy to reach and we saw the payment drop on the timeline they gave us.”
“We financed a rental using the property’s cash flow instead of stacking more W-2 paperwork. The team knew the DSCR overlays, kept the file moving, and we closed in time to take possession as planned.”
“Needed a cash-out on our primary to fund a down payment on an investment property. They compared options side by side and treated both files like they belonged on the same desk — which is exactly what we needed.”
Frequently Asked Questions
Ready to Invest?
Get a quote today and take the next step in building your real estate portfolio.