Investor · Florida
Long-Term Rental Investor in Florida
Building a long-term rental portfolio in Florida? DSCR loans qualify the property's cash flow — not your tax returns.
Common challenges we solve
- Already maxed out on conventional loans
- Don't want to share tax returns
- Scaling a portfolio quickly
What you get with Lumos
DSCR-based qualifying (no W-2 / 1040)
Competitive leverage options
Portfolio cross-collateralization available
What's different in Florida
Florida rentals don't receive the homestead exemption or Save Our Homes cap; non-homestead residential assessments are capped at 10% a year for non-school taxes, but insurance and flood premiums often move DSCR more than taxes do. We quote both before you write an offer.
Loan programs that typically fit
Frequently asked
- What DSCR ratio do you need?
- 1.0+ for best pricing; we have programs down to 0.75.
- Can I close in an LLC?
- Yes — strongly recommended for investor properties.
