What is a good DSCR ratio?

Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.

Can I get a DSCR loan with no money down?

No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.

Do DSCR loans show on my credit report?

It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

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DSCR Loans in Fort Myers, FL

Find lenders offering dscr loans in the Fort Myers, including Cape Coral, Naples, Bonita Springs, and surrounding areas. Compare rates, terms, and programs from 42 lenders.

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Lenders

Typical Rate

7.0% - 9.5%

Down Payment

20-25%

Term

30 years

Closing Time

2-4 weeks

DSCR Lenders Serving Fort Myers

42 lenders offering dscr loans in the Fort Myers, FL area.

A&D Mortgage

Local

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

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Defy Mortgage

Local

DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.

$100K – $3M

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Lending One

Local

Boca Raton, FL

National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.

$75K – $5M

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New Silver Lending

Local

Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.

$100K – $5M

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Residential Mortgage Solutions

Local

Wholesale lender offering DSCR loans for investment properties. Provides non-QM solutions including bank statement, asset depletion, and investor programs.

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Triad Financial Services

Local

Jacksonville, FL

National lender offering DSCR programs for manufactured housing and traditional investment properties. Niche expertise in factory-built home financing for investors.

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Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M

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Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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CoreVest Finance

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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CrossCountry Mortgage

Cleveland, OH

Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.

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Easy Street Capital

Austin, TX

Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.

$75K – $5M

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Griffin Funding

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M

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JMAC Lending

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

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Kiavi

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

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Lima One Capital

Greenville, SC

Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.

$75K – $5M

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Fort Myers Commercial Real Estate Market

Fort Myers and the broader Lee County market have experienced rapid growth as population migration from the Midwest and Northeast accelerates, with Cape Coral ranking among the fastest-growing large cities in the U.S. The commercial market centers on the Daniels Parkway corridor near Southwest Florida International Airport, where office, retail, and hospitality properties cluster. The downtown Fort Myers River District has attracted adaptive reuse and mixed-use development, transforming historic buildings into restaurants, offices, and loft apartments. Hurricane Ian's 2022 impact reshaped the insurance landscape and construction costs across the market, but rebuilding activity has generated substantial CRE investment opportunities, particularly in Bonita Springs, Estero, and the beach communities.

Key Economic Drivers

●Southwest Florida International Airport traffic growth fueling Daniels Parkway corridor commercial activity
●Cape Coral population boom driving suburban retail and medical office demand
●Post-Hurricane Ian rebuilding and insurance-driven property repositioning
●Downtown Fort Myers River District adaptive reuse and mixed-use development

Market Insight

In the aftermath of Hurricane Ian, Lee County fast-tracked permitting for commercial reconstruction, and many investors are acquiring damaged properties at discounts for renovation — though significantly higher wind and flood insurance premiums are now a permanent factor in underwriting coastal assets.