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 West Palm Beach, FL

Find lenders offering dscr loans in the West Palm Beach, including Boca Raton, Delray Beach, Jupiter, 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 West Palm Beach

42 lenders offering dscr loans in the West Palm Beach, 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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West Palm Beach Commercial Real Estate Market

West Palm Beach has undergone a dramatic transformation from a secondary South Florida market into a premier destination for financial services firms, with Goldman Sachs, Elliott Management, and Point72 establishing offices along the Clematis Street and Flagler Drive waterfront corridors. The city's downtown has seen a surge in Class A office construction and adaptive reuse projects, while the surrounding Palm Beach County markets of Boca Raton, Delray Beach, and Jupiter attract a mix of corporate users and family offices. Industrial demand in the western portions of the county, particularly along Southern Boulevard and the Turnpike, has increased as South Florida's logistics footprint expands northward. Palm Beach County's high-net-worth population supports luxury retail and hospitality CRE at levels disproportionate to its metro size.

Key Economic Drivers

●Financial firm relocations from New York, including Goldman Sachs and Elliott Management
●Family office and wealth management cluster along the Palm Beach County coastline
●Boca Raton and Delray Beach office and mixed-use expansion along Federal Highway
●Scripps Research Institute and Max Planck Florida driving life sciences demand in Jupiter

Market Insight

Palm Beach County's commercial rents have increased sharply as hedge funds and private equity firms bid for limited Class A space downtown, with some lease rates rivaling Brickell — a reversal of the historical discount this market carried relative to Miami-Dade.