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Gross monthly rent ÷ monthly PITIA. 1.0 = breaks even. 1.20+ = best pricing. Sub-1.0 ratios can still qualify with 20% down at adjusted pricing — all the way down to 0 DSCR.
Enter the property numbers. We’ll calculate your DSCR ratio, show where it lands on the lender threshold gauge, and tell you exactly how much you can borrow — with 2026 Florida investor rates baked in.
No tax returns. No W-2s. No DTI. The property either supports the debt or it doesn’t. Three numbers tell the whole story.
Gross monthly rent ÷ monthly PITIA. 1.0 = breaks even. 1.20+ = best pricing. Sub-1.0 ratios can still qualify with 20% down at adjusted pricing — all the way down to 0 DSCR.
The complete monthly housing cost. Florida investors especially need to watch insurance ($2,400–$5,500/yr) and condo HOA fees.
Rent minus PITIA. Positive = the property pays itself. Negative = you’re subsidizing the deal each month from outside income.
The gauge places your ratio in one of four lender zones from "no-ratio territory" to "best pricing."
Price, down payment, current investor rate (7.25% is the May 2026 Florida default), and loan term.
Gross monthly rent — the lower of actual rent or the 1007 Rent Schedule fair market rent from the appraisal.
Property tax (1.0% statewide default), investor insurance, and HOA fees if applicable. These drive your PITIA.
Green zone = 1.20+, best pricing. Light green = 1.0–1.20, standard rates. Amber = 0.75–1.0, adjusted pricing. Red = below 0.75, premium pricing (still fundable with 20% down).
Florida is the #1 state for real estate investor activity in 2026, driven by population growth, no state income tax, and strong rental demand across both long-term and short-term markets. DSCR loans are especially popular here because the typical FL investor doesn’t fit conventional income documentation — out-of-state buyers, self-employed entrepreneurs, and portfolio owners scaling past Fannie/Freddie limits.
Tampa Bay currently offers the best risk-adjusted DSCR ratios in Florida (typical 1.05–1.25 for solid SFR investments). Miami rents are higher but condo HOA fees can crush DSCR — the calculator’s HOA field surfaces this immediately. Orlando is the strongest short-term rental market in the state (Disney/Universal corridor), and DSCR lenders increasingly accept AirDNA data for STR qualifying income.
Florida-specific watchouts: investor property insurance runs $2,400–$5,500/yr depending on county and coastal exposure (typically lower than primary residence rates because of vacancy clauses and higher deductibles). Homestead exemption doesn’t apply to investment properties, so property tax increases aren’t capped at 3%/yr like on your primary home.
The Doce Mortgage Group has been writing Florida investor loans since 1987 — including DSCR, foreign national, and non-QM programs. We know which lenders will fund which deals.
Fixed-rate DSCR loans for domestic investors. Foreign national rates run 6.87–7.50%+. Adjustable DSCR starts as low as 5.125% with buydown points. On this calculator, best pricing requires 1.20+ DSCR, 700+ FICO, and 20% down. Sub-1.0 ratios qualify at adjusted pricing — down to 0 DSCR with the same 20% down floor.
No state income tax · Strong STR markets (Orlando, Miami) · Tampa Bay = best risk-adjusted ratios · AirDNA accepted for Airbnb income · Foreign national programs widely available
2026 DSCR rates · FL property tax + insurance · HOA impact · Max loan at 1.0 and 1.20 DSCR · Live gauge with four pricing bands (sub-0.75 to 1.20+)
DSCR isn’t the only investor loan. Here’s how the main options compare for a Florida investment property purchase in 2026.
| Loan Type | Income Docs? | Min FICO | Min Down | Close Time | Best For |
|---|---|---|---|---|---|
| DSCR Loan | None | 620–680 | 20–25% | 20–30 days | Buy-and-hold investors who own multiple properties or have complex tax returns |
| Conventional Investment | Full (tax returns, W-2s) | 680 | 20–25% | 30–45 days | W-2 investors with clean income; best rates if you qualify |
| Bank Statement Loan | 12–24 mo bank statements | 640 | 15–20% | 25–40 days | Self-employed investors who want personal income credit too |
| Asset-Based Loan | Asset statements only | 640 | 25% | 25–40 days | High-net-worth investors with assets but low documented income |
| Foreign National DSCR | None (foreign income proof) | N/A | 30% | 30–45 days | Non-US-citizen investors buying Florida rentals |
| Hard Money / Bridge | Asset-based | 620 | 25–35% | 7–14 days | Fix-and-flip, rapid close, or properties that don’t yet cash flow |
Not sure which investor loan fits your deal? We’ll match you to the right program on a free 10-minute call — no obligation, no credit pull until you say so.
Find My Investor LoanPlain answers about how DSCR underwriting actually works — and where the 2026 lender thresholds sit.
Alex Doce has been writing Florida investor loans since 1987 — DSCR, foreign national, asset-based, and non-QM. He’ll walk through your specific deal and tell you which lender will fund it.
Talk to a Florida DSCR SpecialistA 10-minute call gets you a DSCR pre-qualification with real 2026 rates. No tax returns. No W-2s. No DTI calculation. Just the property numbers and your FICO. The Doce Mortgage Group has been writing Florida investor loans since 1987.