American Heritage Lending

DSCR Loan in Florida

Non-QM Mortgages

Debt Service Coverage Ratio Loan in Florida

Whether you’re a seasoned investor or a first-time borrower, understanding the essentials of DSCR loans is crucial for making sound financial decisions. Debt Service Coverage Ratio (DSCR), a vital metric, assesses a borrower’s capacity to cover debt obligations with operating income. Commonly used in real estate financing, DSCR loans evaluate a borrower’s effectiveness in managing debt, considering DSCR Loan Rates and DSCR Loan Requirements in Florida.

$75,000 – $2,000,000

Loan Amount

Up to 70% of Value

Rental Properties

5, 7 & 10

ARM Rental Loans


Fixed-Rate Rental Loans

Apply Now for a DCSR Loan in Florida

DSCR Loan Benefits

Higher Loan Amounts

DSCR Loan amounts hinge on the property’s income-generating capacity rather than being solely dependent on the borrower’s


Diversify your investment portfolios by including income-generating real estate assets, providing a hedge against inflation and diversifying from other investment channels.

Flexibility in Qualifications

Flexible borrower qualification criteria that take into consideration lower credit scores or unique financial situations, with a focus on the income potential of the property.

Contact Us

Fill out a form for a personalized quote

Non-QM Mortgages​

Requirements for DSCR Loans in Florida

1. Creditworthiness:

To qualify for a DSCR Loan in Florida, a satisfactory credit score is essential. Lenders typically look for a credit score of at least 640 to ensure the borrower’s financial stability.

2. Property Cash Flow:

The property’s cash flow is a critical factor in DSCR Loan approval. Lenders assess the property’s ability to generate sufficient income to cover the debt payments.

3. Debt Service Coverage Ratio:

For DSCR Loan approval, lenders often seek a ratio of at least 1.25, indicating that the property’s operating income is 1.25 times the debt service.

4. Property Appraisal:

An appraisal of the property’s value is conducted to determine its market worth. The property value affects the DSCR Loan amount and terms.

5. Documentation:

Borrowers must provide comprehensive financial documentation, including tax returns, income statements, and property documents, to support their DSCR Loan application.



Best Mortgage Rates

Reliable DSCR Loan Services in Florida

Founded by seasoned mortgage professionals, American Heritage Lending is a customer service-focused lender specializing in the Non-QM mortgage market. Our history is marked by providing flexible solutions to borrowers who may not qualify for traditional Qualified Mortgages.

Our team, consisting of experienced Account Executives, Loan Brokers, and Loan Officers, works closely with clients to customize loans and provide effective solutions, particularly for challenging cases rejected by traditional lenders or Government automated underwriting methods. As a direct lender with a successful track record of over $1 Billion in funded loans, we possess extensive expertise in handling all aspects of real estate lending, skillfully navigating the complexities of this niche market. Explore competitive DSCR Loan Rates and discover our transparent DSCR Loan Requirements to secure the financing you need. Delve into the pros and cons of DSCR loans for a well-informed decision.

Expert Guidance

We are a group of mortgage experts dedicated to helping you make well-informed financial decisions tailored to your individual needs.

Competitive DSCR Interest Rates

Our DSCR loans feature competitive interest rates, providing potential savings throughout the loan's duration.

Hold on! Before you leave, have you discovered the wide range of loans we offer?

Share your details and a Loan Officer will call you with a loan match