Loan Options

Investment Property

Build wealth through South Florida real estate. Competitive financing for investment properties and vacation homes.

Build Your Portfolio

Smart Financing for Real Estate Investors

South Florida is one of America's top real estate investment markets, with strong rental demand, appreciation potential, and a steady stream of buyers and renters. Whether you're purchasing your first rental property or expanding an existing portfolio, we have the financing solutions you need.

From conventional investment loans to DSCR (Debt Service Coverage Ratio) loans that qualify based on rental income rather than your personal income, we match you with the right financing structure for your investment strategy.

Single-family and multi-family properties

DSCR loans — qualify on rental income

Vacation home financing available

Fixed and adjustable rate options

Portfolio loan options available

Experienced investor-focused team

Who Qualifies?

Credit score 680+ (conventional) or 640+ (DSCR)
Down payment 15%-25% depending on property type
Cash reserves of 6+ months required
Strong rental income potential for DSCR loans
No limit on number of financed properties (some programs)

FAQ

Common Questions

What is a DSCR loan and how does it work?+

A DSCR loan qualifies you based on the property's rental income rather than your personal income. If the property generates enough rent to cover the mortgage payment (DSCR of 1.0 or higher), you can qualify — making it ideal for self-employed investors or those with complex income.

How much down payment is needed for an investment property?+

Conventional investment property loans typically require 15-25% down depending on the property type. Single-family rentals usually require 15-20%, while 2-4 unit properties may require 25%. DSCR loans typically require 20-25% down.

Can I use rental income to qualify for the loan?+

Yes, with conventional loans you can typically use 75% of the projected rental income from the subject property to help qualify. With DSCR loans, the rental income is the primary qualifying factor.

Invest in South Florida Real Estate

Let our investor-focused team help you finance your next property at competitive rates.

Get Pre-Qualified Now