STR / Airbnb DSCR Loans in Florida
Florida is the country's most active short-term rental DSCR market. No state income tax, year-round visitor volume, and a regulatory landscape that is generally STR-friendly at the state level (a state preemption law limits city bans). The biggest deals get done in Orlando, Destin/30A, the Keys, and Gulf Coast communities, but the Miami metro and Tampa Bay are growing fast for urban Airbnbs.
Top Florida markets for str / airbnb dscr
- Orlando / Kissimmee: Theme-park demand drives consistent 70%+ occupancy on 4-6 BR pool homes.
- Destin / 30A: Premium Gulf-front beach rentals with $150K+ annual revenue on top performers.
- The Keys: Limited supply due to vacation rental cap; existing licensed properties trade at premium.
- Naples / Marco Island: Seasonal demand; lower vacancy in winter but strong ADR.
- Tampa / St. Pete: Urban Airbnb growth; fewer cap restrictions than Miami.
Florida quick facts
- •No state income tax
- •State preemption limits city STR bans
- •DBPR license required
- •AirDNA shows top markets at 60-75% occupancy
- •Top STR DSCR programs available in all FL counties
Active programs available in Florida
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.
Foreign National Investment Loan
confirmed 5/9/2026Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.
Non-QM Investor Loan
confirmed 5/9/2026Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.
Specialized Investor Loan Program
confirmed 5/10/2026A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
DSCR Loan for Investment Properties
confirmed 5/9/2026A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.
Bank Statement Loan
confirmed 5/10/2026A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.
Florida STR / Airbnb DSCR FAQs
Is Airbnb legal in Florida?
Yes, with caveats. Florida's state preemption law (Chapter 509) limits cities from banning vacation rentals outright, but municipalities can require registration, occupancy limits, and inspections. Always check the city + county rules - Miami Beach, Key West, and parts of Anna Maria Island have strict regimes.
Do I need a state license to operate an STR in Florida?
Yes. Florida requires a Department of Business and Professional Regulation (DBPR) Vacation Rental Dwelling license. Lenders verify the license at closing or shortly after.
Which Florida cities have the strictest STR rules?
Miami Beach, Key West, Sanibel, and Anna Maria Island enforce occupancy caps and registration. Orlando-area communities (especially Reunion, Champions Gate, Encore) are STR-by-design and friendly.
Are condos a good STR investment in Florida?
Often yes - many Florida condotels and resort condos are designed for daily rental. Watch for HOA rules that prohibit short-term rentals (some condo associations cap minimum stays at 30 days).
General str / airbnb dscr questions
How is short-term rental income verified?
Three common methods: (1) 12-month trailing statement from Airbnb/VRBO/PriceLabs, (2) AirDNA Rentalizer report for the subject address, or (3) market-rent appraisal addendum that captures STR comps.
What expenses are deducted from gross STR income?
Most lenders apply a 20–25% expense deduction (cleaning, supplies, platform fees, vacancy) to gross STR revenue before computing DSCR. Some lenders use 30%.
Can I get an STR loan in a market that just banned short-term rentals?
Generally no. Lenders verify local STR ordinances and will pivot to long-term DSCR (or decline) if the address sits in a permit-restricted zone.
Got a Florida str / airbnb dscr scenario?
Tell us the deal - we'll match you with the right Florida lender and come back with current pricing.