Miami location
Miami – DSCR Loans for Real Estate Investors
Grow Your Miami Real Estate Portfolio
Smarter DSCR Loans for Miami Investors
At MyMiamiMortgageBroker.com, we help Miami investors close fast with flexible DSCR financing — no income documentation required.
Who We Are
We specialize in DSCR loans designed for Miami real estate investors. Our goal is simple: help you scale your portfolio with speed and clarity.
Why Choose Our Miami DSCR Loans
- No Income Documentation: Qualify based on property cash flow, not personal income.
- Fast Closings: Close in as little as 7–21 days.
- Investor-Focused Terms: Competitive rates and flexible structures.
- Local Expertise: Tailored for Miami’s rental and short-term markets.
How It Works
- Apply with minimal documentation.
- Qualify using the property’s DSCR (Debt Service Coverage Ratio).
- Close quickly and start generating income.
Miami DSCR Loan FAQ
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on a property’s rental income rather than your personal income. The DSCR equals the property’s net operating income divided by its total debt payments.
What DSCR ratio is required?
Most lenders prefer 1.0 or higher, but some Miami programs accept as low as 0.75 for strong borrowers.
Do I need tax returns or W-2s?
No — qualification is based solely on the property’s income potential.
What property types qualify in Miami?
Single-family homes, condos (including non-warrantable), 2–4 units, small multifamily, and condotels — perfect for Miami’s rental and Airbnb market.
What’s the loan amount and down payment?
Loan amounts up to $3 million with 15–25% down, depending on property and borrower profile.
Can I refinance or take cash out?
Yes. You can refinance or do a cash-out refinance to reinvest in additional Miami properties.
Credit score requirement?
Typically 620–640, with better terms for higher scores.
Ready to Scale Your Miami Real Estate Portfolio?
Our DSCR loans make it simple — no income docs, no delays, just fast, flexible financing built for investors.
Start your Miami investment journey today at MyMiamiMortgageBroker.com
