DSCR Loans in
Fort Lauderdale, FL
Acquire or cash-out refinance rental properties across Fort Lauderdale, Pompano Beach, Wilton Manors, and Hollywood based strictly on property cash flow. 30-year fixed terms, sub-1.0x DSCR options (0.75x-0.99x), zero tax returns, and 10 to 14 day closings.
Up to 80%
Max Purchase & Refi LTV
0.75x+
Sub-1.0x DSCR Eligible
1-8 Units
SFR, 2-4u, Condos & 5-8u
10-14 Days
Typical Close
Broward County Rental & STR Financing
Built for Broward investors scaling past bank limits
Fort Lauderdale investors operating 5 to 30+ doors across Victoria Park, Wilton Manors, Pompano Beach, Oakland Park, and Hollywood routinely hit two roadblocks with conventional banks: global DTI caps triggered by tax-return depreciation, and coastal windstorm/flood insurance quotes that squeeze coverage ratios below 1.25x.
Adler Capital structures Fort Lauderdale DSCR loans specifically around Broward County deal math. Whether you are executing a DSCR cash-out refinance out of a maturing Fort Lauderdale hard money rehab loan or acquiring a turnkey fourplex, we underwrite to property rent - including 0.75x to 0.99x sub-1.0x DSCR tiers at up to 75% LTV and our Bulletproof 50 low-leverage option.
Model your exact Broward tax, wind-mitigation insurance, and HOA numbers before ordering an appraisal using our free Florida DSCR Calculator.
Bridge-to-DSCR Cash-Out - Wilton Manors Fourplex
Investor renovated a 4-unit CBS multifamily property near Wilton Drive using short-term acquisition debt and leased all four units at market rates. Adler Capital closed a 30-year fixed DSCR cash-out refinance at 75% LTV in 12 business days, retiring the bridge note and returning net equity after escrows and Florida doc stamps.
Fort Lauderdale & Broward Coverage
Broward submarkets we finance every week
Licensed Short-Term Vacation Rentals & Luxury SFR
Victoria Park, Colee Hammock, Las Olas & Lauderdale-by-the-Sea
30-year DSCR financing for high-demand Fort Lauderdale vacation rentals holding a City Certificate of Compliance. Underwritten on trailing 12-month Airbnb/VRBO payouts, AirDNA projections, or Form 1007 market rent.
2-4 Unit CBS Duplexes, Triplexes & Fourplexes
Wilton Manors, Oakland Park, Pompano Beach & Sailboat Bend
Broward's strongest per-door rent corridors where renovated multi-unit CBS properties absorb property tax reassessments and windstorm insurance while generating durable 1.15x to 1.35x DSCR coverage.
East-of-I-95 Rentals & Non-Warrantable Condos
Hollywood, Dania Beach & Hallandale Beach
Investor-friendly underwriting for coastal rentals, duplexes, and select non-warrantable condos across southern Broward County, structured cleanly around Florida condo milestone and reserve rules.
West-of-I-95 Workforce & Executive Rental Portfolios
Plantation, Coral Springs, Deerfield Beach & Lauderhill
Lower flood-zone exposure west of I-95 keeps annual insurance premiums tighter, unlocking maximum 75% to 80% LTV cash-out proceeds for LLC borrowers scaling 5 to 25+ doors.
Common Questions
Fort Lauderdale DSCR Loans - FAQ
What if Broward windstorm and flood insurance push my Fort Lauderdale rental below 1.00x DSCR?
Most local banks require a 1.25x DSCR and standard lenders stop at 1.00x, which disqualifies high-equity coastal Broward rentals where windstorm or flood coverage elevates monthly PITIA. Adler Capital funds 0.75x to 0.99x sub-1.0x and No-Ratio DSCR programs up to 75% LTV for experienced investors with zero personal income verification.
Can I cash-out refinance out of a Fort Lauderdale hard money or bridge loan into a 30-year DSCR loan?
Yes. Refinancing investors out of maturing short-term bridge or fix-and-flip debt into 30-year fixed DSCR loans is one of our core specialties. Once renovations are complete, we underwrite to the new appraised value (up to 75%-80% LTV) using either executed leases or appraiser Form 1007 market rent.
How do you underwrite short-term rentals (Airbnb / VRBO) in Fort Lauderdale and Pompano Beach?
For licensed vacation rentals in Fort Lauderdale, Pompano Beach, Hollywood, and Lauderdale-by-the-Sea, we qualify cash flow using 12 months of documented Airbnb/VRBO payout statements, verified AirDNA market revenue projections, or long-term Form 1007 market rent - whichever gives your deal the strongest leverage.
Are post-closing liquidity reserves required on Fort Lauderdale DSCR loans?
On qualifying rental loans up to $1.5M, we offer zero post-closing reserve options for rate-and-term refinances that lower your monthly payment as well as select acquisition and cash-out tiers, keeping your working capital free for your next Broward acquisition.
Do Fort Lauderdale DSCR loans close in an LLC with zero tax returns?
Yes. Every loan we originate is a commercial business-purpose loan closed directly in your Florida LLC, LP, or Corporation. We never request personal tax returns, W-2s, IRS Form 4506-C transcripts, or personal debt-to-income (DTI) ratios.
Related South Florida Markets & Programs
Recent funded deals in Fort Lauderdale & Broward County
Real closings with real numbers. No estimates.