DSCR Loans
Qualify on rental income — no personal income docs
Debt Service Coverage Ratio (DSCR) loans are purpose-built for real estate investors. Qualification is based on the property's rental income relative to its debt obligations — not your personal income or tax returns.
20–25%
Min. Down Payment
620+
Min. Credit Score
$3M+
Max Loan
1.0x
Min. DSCR
Key Features & Benefits
- No personal income verification
- No tax returns required
- LLC / entity vesting allowed
- Short-term rental (Airbnb/VRBO) eligible
- Cash-out refinance available
- Unlimited financed properties
Best For
- Real estate investors
- Rental property buyers
- Portfolio builders
- LLC / entity borrowers
May Not Be Ideal If
- Primary residence purchases
- Properties with negative cash flow
- Borrowers with credit below 620
How It Works
Your Path to Closing
Property Analysis
We calculate the DSCR for your target property using current rent or market rent analysis to confirm qualification.
Pre-Approval
No tax returns or pay stubs needed. We issue your investor pre-approval based on the property's income potential.
Appraisal & Underwriting
The appraisal includes a rent schedule. Underwriting focuses on the property's cash flow, not your personal income.
Close & Start Collecting Rent
DSCR loans typically close in 21–30 days. Your LLC can be on title from day one.
Common Questions
Frequently Asked Questions
Local Investor Lending
DSCR Loans in Palm Beach County, FL
Palm Beach County is one of Florida's strongest DSCR markets — strong rents, limited supply, and consistent population growth make it ideal for rental portfolio building.
DSCR Calculation Examples — Palm Beach County
Jupiter SFR
QualifiesWPB Duplex
Strong QualifyBoca Raton SFR
Needs ReviewExamples use estimated 2026 rates and market rents. Actual DSCR depends on final loan terms and appraiser rent schedule. Not a commitment to lend.
Why PBC Investors Choose DSCR
Palm Beach County's rental market is among the strongest in Florida. Single-family rentals in Jupiter average $3,800–$5,500/month; West Palm Beach runs $2,800–$4,200; Boca Raton commands $3,500–$6,000 for higher-end product. Short-term rentals in Jupiter and Tequesta frequently outperform long-term rent by 30–50% during peak season (November–April).
DSCR loans let investors capitalize on this market without the friction of personal income documentation. No tax returns, no pay stubs, no DTI calculation based on your W-2 — the property qualifies itself. This is especially valuable for investors who are self-employed, own multiple LLCs, or have complex income that doesn't translate well to conventional underwriting.
CFGC Loans closes DSCR loans throughout Palm Beach County — Jupiter, Palm Beach Gardens, West Palm Beach, Boca Raton, Delray Beach, and surrounding communities. We run your DSCR calculation before pre-approval so you know exactly where you stand before making an offer.
DSCR Loan Checklist
What you need to qualify for a DSCR loan in Palm Beach County:
620+ credit score
Higher scores unlock better rates and lower down payments
20–25% down payment
Standard for purchases; 25–30% for cash-out refis
DSCR ≥ 1.0x
Rent must cover PITIA; 1.20x+ preferred for best pricing
Investment property only
DSCR loans are for non-owner-occupied rentals
LLC vesting allowed
Take title in your entity from day one
No income docs required
No tax returns, W-2s, or pay stubs needed
Ready to run the numbers? Call 561-677-2340 or start your investor pre-approval online.
Free Mortgage Guide
DSCR Loans for Real Estate Investors — How They Work & Who Qualifies
Also Consider
Other programs that may fit your situation
Scale Your Portfolio Without the Income Paperwork
DSCR loans are the investor's secret weapon. Let's run the numbers on your next rental property.
All loan programs subject to credit approval. Rates, terms, and availability subject to change without notice. Not a commitment to lend. Capital Financial Group Corporation — NMLS #2547138. Equal Housing Lender. www.nmlsconsumeraccess.org