Investment Property Loans
A Real Home. A Real Story.
This beautiful Lake Placid investment property was financed through South Florida Mortgage—a real success story for one of our valued clients. We take pride in helping homebuyers and investors turn their vision into reality, one closing at a time. Whether you're buying your first home or expanding your real estate portfolio, we’re here to guide you every step of the way. Whether you're a first-time investor, short-term rental owner, or seasoned landlord, we help you secure the right loan—based on cash flow, not tax returns.
- ✅ Expert in Florida investor loans
- ✅ Fast closings—great for competitive markets
- ✅ Deep understanding of Airbnb, VRBO, and short-term rental financing
- ✅ Access to top DSCR loan programs statewide
- ✅ Personalized guidance from start to finish
Types of Investor Loans We Offer
- DSCR Loans
- Foreign National Loans
- No-Income Verification Loans
- Short-Term & Long-Term Rental Loans
- Cash-Out Refinance for Investment Properties
- Portfolio Loans
- Fix-and-Flip Financing
- Non-QM Investor Loans
What Is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) is designed for real estate investors who want to qualify based on the income generated by the property—not their personal W-2s, tax returns, or employment income.
Instead of looking at your job, we evaluate the rental income vs. the mortgage payment.
If the property's income covers the debt (typically with a DSCR of 1.0 or higher), you may qualify.
✅ No income verification needed
✅ Close in the name of an LLC or corporation
✅ Ideal for short-term rentals (Airbnb/VRBO)
✅ Great for self-employed or retired investors
Ready to Invest Smarter?
Whether you’re buying your first rental property or expanding your portfolio, South Florida Mortgage is your Florida investor loan partner.
👉 Contact South Florida Mortgage to schedule your free consultation or get pre-approved now.