Direct answers. Not a rate sheet and not a program matrix.
What is a DSCR loan for Florida investors?
A DSCR loan for a Florida investor is a business-purpose, non-owner-occupied file that desks the property’s rental income against PITIA — not a W-2 or personal DTI story.
This desk packages and shops that file to capital sources. We are a broker, not a lender. See what DSCR is for the ratio. Typical overlays live on requirements. Nothing on this page is a program matrix.
Are Florida DSCR loans business-purpose and non-owner-occupied only?
Yes. This desk only shops business-purpose / non-owner-occupied files. A Florida primary residence or a consumer second-home story does not belong here.
Occupancy is the first filter. If you stay in the property, say so on the 30-minute call — do not force the deal into a DSCR box.
Do Florida DSCR loans need to close in an LLC?
Many DSCR desks and capital sources want the Florida property titled in an LLC or other entity. Treat that as a common overlay — not legal advice and not a promise from this site.
Individual vest can still come up; it is not the usual Florida conversation we see. Formation, operating agreement, EIN, and how title will read at close have to match. See LLC and entity title. We are not your formation attorney.
Can Florida Airbnb and short-term rentals use a DSCR loan?
Yes. Short-term rental is a real Florida use case on business-purpose DSCR files — when occupancy is investment and the use is allowed.
Income method and local / HOA rules still come first. Start on the STR landing or open the calculator with STR occupancy. We do not scrape Airbnb or invent a nightly rate.
Does this desk hold a Florida mortgage license?
No. GI Realty LLC is a California real estate broker (CA DRE). This site does not claim a Florida residential mortgage license.
The desk shops business-purpose files in states where capital sources do not require a residential mortgage license. Florida is in the current property-state set we desk. That is not a rate, an approval, or a promise that any Florida file will clear.
How do I check a Florida rental on the DSCR calculator?
Run the ungated calculator, then book a 30-minute call if the deal is worth desk time. The calculator is orientation, not a lead form and not a credit decision.
Lender DSCR is still rent ÷ PITIA (or ITIA if interest-only). Realtors with a Florida investor client can start on the realtor page.