DSCR Loans Florida: Vacation Rental & Investment Property Guide 2025
Florida's booming real estate market offers exceptional opportunities for both vacation rental and traditional investment properties. DSCR loans have become the go-to financing solution for Florida investors, especially with the state's thriving short-term rental market. No state income tax, year-round tourism, and strong appreciation make Florida ideal for DSCR loan investing.
Florida's DSCR Loan Advantage
Florida's vacation rental market generates 2-3x higher income than traditional rentals, making DSCR ratios exceptionally strong. With no state income tax and landlord-friendly laws, Florida offers some of the best cash flow opportunities in the nation.
Top Florida Markets for DSCR Loans
Orlando/Kissimmee
Best For: Disney vacation rentals, theme park proximity
Miami/Fort Lauderdale
Best For: Long-term rentals, appreciation plays
Tampa/St. Petersburg
Best For: Balanced market, strong job growth
Jacksonville
Best For: Cash flow, affordable entry point
DSCR Loans for Florida Vacation Rentals
Why Florida STRs Excel with DSCR Loans
Income Advantages
- • Year-round tourism demand
- • Disney/Universal proximity premiums
- • Beach rental income potential
- • 70-80% occupancy rates possible
DSCR Benefits
- • Use projected STR income
- • AirDNA reports accepted
- • Higher DSCR ratios = better rates
- • No personal income needed
Ready to Invest in Florida Real Estate?
Get pre-approved for a Florida DSCR loan in 24-48 hours. Perfect for vacation rentals and investment properties.