Florida DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Florida DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Florida (FL) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Florida median 1–4 unit price of $435,000 and Form 1007 rent of $3,350/mo (0.86% property tax, $940/$100K hazard insurance), a 75% LTV loan models at 1.21x DSCR ($2,769/mo total PITIA).