In 2026, Debt Service Coverage Ratio (DSCR) financing remains the definitive leverage tool for Florida real estate investors. Whether purchasing single-family rentals in Broward, luxury duplexes in Miami Beach, or portfolio assets in Tampa, DSCR loans decouple your borrowing power from your personal tax returns.
The Core Math: How DSCR Is Calculated in Florida
DSCR = Gross Monthly Rental Income ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA). For example: a property generating $4,500/month with total PITIA debt of $3,600/month produces a 1.25x DSCR. At 1.25x or higher, investors access top-tier pricing and maximum 80% purchase leverage.
Florida Insurance Load & Underwriting Reality
Because Florida hazard and flood insurance premiums are higher than the national average, accurate debt calculations are essential. Adler Capital underwrites with live local insurance schedules so there are zero surprises at closing. Even if DSCR dips between 0.75x and 1.0x, our flexible no-ratio programs ensure your deal still funds.
Key Parameters & Guidelines
Maximum purchase LTV: 80%. Maximum cash-out refinance LTV: 75%. Minimum credit score: 640. Closing timelines average 10 to 14 business days. Borrowers close directly under an LLC or Corporation to protect personal liability.
Live pricing and instant rate matrices are available 24/7 on the Adler Capital Deal Hub at hub.adlercapital.us.
