Miami Investment Property
Qualify based on rental income - no W-2s, no tax returns, no personal income verification required.
What Is a DSCR Loan
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on the property's rental income - not your personal tax returns or W-2s. The lender divides the monthly rent by the total monthly payment (principal, interest, taxes, insurance, HOA) to get the DSCR. A ratio of 1.0 means the property breaks even; 1.25 means it generates 25% more income than the payment.
For Miami investors - whether you're buying a long-term rental in Brickell, a condo on Miami Beach, or scaling a short-term rental portfolio - DSCR loans let your properties speak for themselves. No employment verification. No DTI calculation. The deal qualifies on its own numbers.
Miami Market Numbers
Miami-Dade County's rental market includes Miami's Brickell, Miami Beach, and Wynwood rental corridors. Whether a property qualifies depends on its actual rent compared to the full monthly payment.
Qualification Requirements
No W-2s, tax returns, or employment verification required. The property does the qualifying. Learn about all Miami loan programs →
Run Your Numbers
Enter the property's monthly rent and expenses to see your DSCR ratio and monthly cash flow.
Common Questions
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No obligation. We review your property numbers and comes back with real program options from 100+ wholesale lenders. Any credit inquiry is disclosed before it occurs.