Investors don't need W-2s. They need cash flow.
Florida DSCR loans qualify on the rental income of the property — not your tax returns. LLCs welcome. Airbnb & VRBO eligible. Build a portfolio on the numbers that actually matter. Educational only — not a commitment to lend.
Does the property cash-flow?
Answer a few investor questions and Joe's team will hand-check whether your deal pencils on a DSCR loan. No credit pull, no tax returns, 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…
The property qualifies itself.
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.
Joe Pistone & Team
Florida's DSCR investor-loan specialist with CrossCountry Mortgage. Joe and his team structure financing for buy-and-hold landlords, short-term rental operators, and LLC-held portfolios across all 67 Florida counties.
No W-2s. No tax-return gymnastics. Just a straight read on whether the property cash-flows — and a clear path to close.
NMLS# 2087918 · CrossCountry Mortgage, LLC · NMLS# 3029
— Joe Pistone & TeamRead the fine print.
No. A DSCR loan qualifies on the property's rental income versus its debt — not your personal income. No tax returns, no W-2s, no pay stubs required for qualification.
Programs generally start at a 1.0 DSCR minimum, meaning rent covers the full payment. Lower ratios may be possible on select programs. A higher ratio strengthens terms.
Yes. DSCR loans are built for investors and routinely close in the name of an LLC or other entity — useful for asset protection and portfolio structure.
Yes. Many DSCR programs accept short-term rental income (Airbnb/VRBO), often using market rent or documented STR projections. Property and market rules apply.
DSCR loans are not capped the way conventional financing is. Investors routinely build portfolios of multiple doors using DSCR financing across Florida.
No. This page is educational only and not a commitment to lend. All loans are subject to credit, property, and underwriting approval.