DSCR Loans in
West Palm Beach, FL
Acquire or cash-out refinance rental properties across West Palm Beach, Lake Worth Beach, Palm Beach Gardens, and Jupiter based strictly on property cash flow. Zero tax returns, zero W-2s, and 30-year fixed terms tailored for experienced Palm Beach County investors.
Up to 80%
Max Purchase LTV
Up to 75%
Cash-Out Refi LTV
1.0x+
Min DSCR (No-Ratio Avail.)
10-14 Days
Typical Close
Palm Beach County Rental Underwriting
Built for West Palm Beach landlords & BRRRR operators
Corporate expansion along the Flagler Financial District ("Wall Street South") and steady population growth across northern and central Palm Beach County have transformed West Palm Beach into one of Florida's strongest long-term rental markets. Yet conventional banks still cap investors at 4 to 10 financed properties, penalize self-employed Schedule E write-offs, and take 45+ days to underwrite.
Adler Capital underwrites your West Palm Beach rental property like an institutional asset. If the gross monthly lease (or appraiser Form 1007 market rent schedule) covers the monthly principal, interest, taxes, and insurance (DSCR ≥ 1.00x), the property qualifies. Need to refinance out of a high-rate hard money bridge loan after completing a renovation in Northwood or Lake Worth Beach? We structure 30-year fixed DSCR cash-out refinances up to 75% LTV with flexible prepayment step-downs (5/4/3/2/1, 3/2/1, or short prepay options).
Bridge-to-DSCR Cash-Out - Northwood Duplex
An investor acquired and renovated a CBS duplex in West Palm Beach using short-term bridge debt. Once both units were leased at $2,750/month each ($5,500/month gross), Adler Capital paid off the bridge lender with a 30-year fixed DSCR cash-out loan in 12 business days.
Local Submarket Guide
Where West Palm Beach DSCR numbers pencil best
Historic Single-Family & Executive Rentals
Flamingo Park, El Cid & Grandview Heights
High-demand historic neighborhoods south of Downtown WPB where renovated 3/2 and 4/3 homes command $4,800 to $8,500/month in annual or seasonal executive leases.
Workforce Duplexes & Small Multifamily (2-4 Units)
Northwood, Pleasant City & Riviera Beach Corridor
Strong gross rent yields on CBS duplexes, triplexes, and fourplexes producing 1.20x to 1.38x DSCR ratios even after accounting for Palm Beach County windstorm coverage.
BRRRR & Cash-Out Refinance Sweet Spot
Lake Worth Beach, Greenacres & Royal Palm Beach
Consistent year-round family tenant demand and lower flood-zone exposure west of I-95 keep insurance premiums manageable and net cash flow high.
Corporate Relocation & Equestrian Seasonal Holds
Palm Beach Gardens, Jupiter & Wellington
Higher-balance DSCR loans ($500K to $3.5M) for single-family and townhome rentals serving executive tenants and Wellington winter equestrian leases.
Common Questions
West Palm Beach DSCR Loans - FAQ
How do DSCR loans work in West Palm Beach?
A DSCR (Debt Service Coverage Ratio) loan qualifies your West Palm Beach rental property based purely on its gross monthly rent divided by the monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA). We do not require personal tax returns, W-2s, pay stubs, or debt-to-income (DTI) calculations.
Can I use a West Palm Beach DSCR loan to pay off an existing hard money or bridge loan?
Yes. One of our core specialties at Adler Capital is refinancing Palm Beach County investors out of maturing 12-month hard money or bridge notes into 30-year fixed DSCR loans, pulling up to 75% LTV cash out once your renovation and lease-up are complete.
How do Palm Beach County property taxes and windstorm insurance impact DSCR?
Because property taxes reassess after a purchase in Palm Beach County and coastal properties east of US-1 carry windstorm coverage, we run an exact tax and insurance stress test upfront. Properties with impact windows or recent roof permits receive wind-mitigation credits that significantly boost your DSCR ratio and maximum loan proceeds.
Do you finance short-term rentals (Airbnb / VRBO) in West Palm Beach and Lake Worth Beach?
Yes. We underwrite short-term and seasonal vacation rentals using either 12 months of documented Airbnb/VRBO payout history, appraiser Form 1007 market rents, or verified AirDNA projections.
Can I close my West Palm Beach DSCR loan in an LLC?
Yes. All of our loans are commercial business-purpose loans designed to close directly in a Florida LLC, Limited Partnership, or Corporation, keeping the debt structured for investment portfolio scaling.
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