DSCR is calculated by dividing the gross rental income by the monthly mortgage payment.

⦿ A DSCR of 1.0 means the property breaks even

⦿ Higher DSCR ratios may result in better pricing or terms

Many programs allow DSCR ratios at or near 1.0, depending on guidelines and reserves.

Yes. Down payments typically range from 15%–25%, depending on:

⦿ Property type

⦿ Rental income strength

⦿ Credit profile

⦿ Loan amount

Rayce and his team will help structure your loan to balance leverage and cash flow.

Yes. Many DSCR programs allow financing for:

⦿ Short-term rentals (Airbnb, VRBO)

⦿ Long-term rentals

⦿ Seasonal rental properties

Some lenders may use market rent or appraisal-supported rental income. Rayce and his team will guide you through lender-specific requirements.

DSCR loans generally carry slightly higher interest rates than conventional investment property loans due to flexibility and reduced documentation.

However, many investors prefer DSCR loans because they:

⦿ Allow faster scaling

⦿ Avoid income limitations

⦿ Preserve personal DTI

Yes. Florida investors often refinance DSCR loans to:

⦿ Pull cash out for new investments

⦿ Improve cash flow

⦿ Adjust loan terms

⦿ Reposition a property after stabilization

Rayce and his team can help evaluate refinance timing and strategy.