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
Non-QM Investor Loan
confirmed 6/2/2026Commercial mortgage program offering up to 90% CLTV for various property types including mixed-use, multi-family, and retail. Allows for flexible deal structuring including seller carrybacks and second liens.
DSCR Loan for Investment Properties
confirmed 6/4/2026A flexible Non-QM lending program offering specialized income calculations and structuring options for complex borrower scenarios.
DSCR Loan for Investment Properties
confirmed 5/21/2026A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering up to 75% LTV and credit scores starting at 680.
DSCR Loan for Investment Properties
confirmed 5/20/2026DSCR investor loan for short-term rental properties, allowing up to 80% LTV for purchase and rate-term refinances with no limit on financed properties.
DSCR Loan for Investment Properties
confirmed 5/28/2026A flexible DSCR loan program for investment properties with no minimum DSCR requirement, allowing for negative cash flow and short-term rental income.
DSCR Loan for Investment Properties
confirmed 5/14/2026A non-QM DSCR program for investors, including first-time investors, that allows for negative cash flow properties and offers flexible qualification options like asset utilization.
DSCR Loan for Investment Properties
confirmed 5/11/2026A DSCR loan program for investment properties that allows for entity vesting, rural properties, and short-term rental income, with both fixed and ARM options available.
DSCR Loan for Investment Properties
confirmed 6/5/2026Debt Service Coverage Ratio loan program for investment properties based on property cash flow rather than personal income.
Asset-Qualifying Loan
confirmed 5/13/2026An asset-based loan program that allows borrowers to qualify by converting liquid assets into a usable income stream, eliminating the need for traditional income or employment documentation.
DSCR Loan for Investment Properties
confirmed 5/12/2026A 30-year fixed DSCR loan program for investment properties with flexible prepayment penalty options and LTVs up to 80%.
DSCR Loan for Investment Properties
confirmed 5/20/2026A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.
Specialized Investor Loan Program
confirmed 5/10/2026A specialized financing program for senior care housing properties, offering 30-year fixed terms and up to 75% LTV for purchase and cash-out refinance transactions.
DSCR Loan for Investment Properties
confirmed 5/19/2026A DSCR-based loan program for short-term rental investors, allowing for purchase, rate and term, and cash-out refinances on 1-4 family properties and condos.
Specialized Investor Loan Program
confirmed 5/19/2026A 12-month financing program for experienced investors building ground-up residential projects, offering up to 90% of purchase price and 100% of construction costs.
Fix & Flip Loan for Investors
confirmed 5/28/2026A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.
Specialized Investor Loan Program
confirmed 5/18/2026A 20-year fixed standalone second lien mortgage for primary residences, offering up to 70% CLTV.
Foreign National Investment Loan
confirmed 5/20/2026A loan program for international buyers seeking U.S. real estate investment or second home opportunities without requiring a U.S. credit score.
Non-QM Investor Loan
confirmed 5/10/2026Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.
DSCR Loan for Investment Properties
confirmed 5/15/2026A flexible DSCR loan program for investment properties, offering options for no-ratio qualification, various prepayment penalty terms, and support for short-term rentals.
DSCR Loan for Investment Properties
confirmed 5/20/2026DSCR loan program for investment properties now available with a minimum DSCR ratio as low as 0.01.
Non-QM Investor Loan
confirmed 5/15/2026A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.
DSCR Loan for Investment Properties
confirmed 5/15/2026A DSCR program for investment properties that allows for negative cash flow and offers interest-only payment structures to help qualify challenging deals.
ITIN Loan Program
confirmed 5/14/2026Non-QM loan program for ITIN borrowers, DACA recipients, permanent residents, and US citizens with flexible income documentation and no DTI cap.
DSCR Loan for Investment Properties
confirmed 5/22/2026A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.
Specialized Investor Loan Program
confirmed 5/11/2026Financing for specialty agricultural properties including orchards, vineyards, groves, and equestrian facilities.
Non-QM Investor Loan
confirmed 5/18/2026A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.
Specialized Investor Loan Program
confirmed 5/10/2026A commercial ground-up construction loan for multi-family projects up to 10 units, designed for investors of all experience levels.
Non-QM Investor Loan
confirmed 5/10/2026A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.
DSCR Loan for Investment Properties
confirmed 6/1/2026DSCR loan program for residential 1-4 unit investment properties, offering multiple series options including Signature, Streamline, and Standard.
DSCR Loan for Investment Properties
confirmed 5/26/2026DSCR loan program for short-term and long-term rental investment properties with competitive pricing and fast appraisal processing.
Non-QM Investor Loan
confirmed 5/10/2026A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.
Specialized Investor Loan Program
confirmed 5/10/2026Financing solutions for commercial agricultural properties that generate income, tailored to the specific operational needs of the borrower.
DSCR Loan for Investment Properties
confirmed 5/11/2026A DSCR loan program for short-term rental properties like Airbnb and VRBO that qualifies borrowers based on property income without requiring personal income documentation.
Bridge Loan for Investors
confirmed 5/12/2026Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.
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 5/20/2026A 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 6/8/2026A 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 6/2/2026Financing 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.
See live Florida pricing
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