The property should make sense. So should the financing.
Florida DSCR loans built around the rental income—not your W-2. Joe Pistone personally helps investors compare purchase, refinance, cash-out and short-term-rental scenarios.
“Straight answers, personal attention and a clear path from property numbers to closing.”What investors can expect from Joe’s team
Tell Joe about the property.
Answer a few straightforward investor questions. Joe's team will hand-check whether the property may fit a DSCR program. No credit pull, no tax returns and no obligation. Educational only — not a commitment to lend.
What type of property?
The asset you're financing (or refinancing).
What's the play?
How you plan to use the DSCR loan.
Estimated monthly rent?
Long-term lease rent, or typical monthly gross for a short-term rental.
Purchase price or value?
Approximate price you're buying at, or current value if refinancing.
Estimated credit band?
Rough range is fine — this quiz does not pull your credit.
Down payment & reserves?
Roughly how much you have available to put down plus cash reserves.
Buying in an LLC?
DSCR loans can close in an entity — totally optional.
How many rentals do you own?
Including this one if it's already yours.
Where & when?
Enter your target Florida market and how soon you're moving.
Where should Joe send it?
We'll hand-check your deal and follow up personally.
Deal received.
Joe's team is reviewing your numbers now. Redirecting you…
What Florida investors actually search for.
Updated August 18, 2026. If you are comparing DSCR loan Florida requirements, rates, down payment, LLC vesting, Airbnb income, or no-tax-return investor loans, start here. Joe's team reviews the property rent, estimated PITIA, credit band, reserves, title structure, and exit plan before recommending a program.
Goal: give investors a straight answer before they apply. A stronger DSCR ratio, cleaner reserves, and accurate rent assumptions usually matter more than trying to force a deal into the wrong lender box.
The property should support the payment.
When rent covers the payment, the math does the talking. Here's a worked example — terms, not a rate quote.
⚠ Example only · ratios & terms vary by programDSCR · WORKED EXAMPLE
DSCR investor financing across Florida's strongest rental markets. Pick your city.
Serving all 67 Florida counties.
Already own a rental property with equity? Read our guide to DSCR cash-out refinance Florida — how to pull equity with no W-2 required, max LTV 75%, and how to use the proceeds to fund your next acquisition.
A real person reviews every deal.
I'm Joe Pistone. For more than 6 years, I have helped borrowers make sense of mortgage decisions, and I have closed more than 741 loans. My team works with buy-and-hold landlords, short-term rental operators and LLC-held portfolios throughout Florida.
No call-center handoff and no tax-return gymnastics. You get a straight answer about the property, the available loan paths and what it may take to close.
NMLS# 2087918 · CrossCountry Mortgage, LLC · NMLS# 3029
— Joe Pistone & TeamClear answers before you apply.
Many DSCR programs evaluate qualifying property income instead of using W-2 wages to calculate repayment ability. I still review each lender's documentation, credit, property and reserve requirements for the specific deal.
A 1.0 ratio means qualifying rent equals the qualifying property payment. Minimum ratios and pricing vary by lender and program, so I check current written terms for your property.
Some DSCR programs allow an eligible LLC to borrow and hold title. A personal guaranty, credit review and entity documents may still be required. I recommend legal and tax advice on the ownership structure.
Some programs consider short-term rental income when supported by acceptable rent evidence. I verify local rental rules, insurance and the lender's specific requirements before recommending a path.
The number of properties you can finance depends on the lender's portfolio limits, your credit and reserves, and each property's numbers. I compare current programs against your full portfolio plan.
No. This page is educational only and not a commitment to lend. All loans are subject to credit, property, and underwriting approval.