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 Tallahassee, FL

Find lenders offering dscr loans in the Tallahassee, including Quincy, Crawfordville, 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 Tallahassee

42 lenders offering dscr loans in the Tallahassee, 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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Tallahassee Commercial Real Estate Market

Tallahassee's commercial real estate market is predominantly driven by state government operations and two major universities — Florida State University and Florida A&M University — creating a uniquely stable but cyclically limited demand profile. The primary office submarkets run along Thomasville Road, the Capitol Center district, and the Apalachee Parkway corridor, with government tenants anchoring much of the Class A inventory. The Innovation Park, located between FSU and FAMU, hosts technology and research tenants, while Midtown and CollegeTown have emerged as mixed-use districts blending student housing with retail and dining. Unlike South Florida's volatile boom-and-bust cycles, Tallahassee's market offers lower volatility but also more modest appreciation potential.

Key Economic Drivers

●Florida state government as the single largest employer and office tenant
●Florida State University and Florida A&M University research and enrollment spending
●Innovation Park technology and government research tenancy
●Tallahassee Memorial HealthCare and Capital Regional Medical Center anchoring medical office demand

Market Insight

The Florida Legislature's annual session and government operations anchor approximately 30% of Tallahassee's office absorption, making the state budget cycle a meaningful variable in CRE leasing activity — a dynamic unlike any other Florida metro.