DSCR and investor-focused programs that look at what the property earns — not your tax returns. Build and scale your Florida rental portfolio without conventional roadblocks.
Takes 60 seconds · No credit pull · No obligation
No tax returns, no W-2s, no pay stubs. If the rent covers the payment, you're in business.
Protect your portfolio with entity vesting — something conventional loans won't allow.
Conventional caps you at 10 financed properties. DSCR programs don't count — keep scaling.
Airbnb and Vrbo income counts with many of our lenders. Vacation rental investors, this is your lane.
Share the property's rent and price — we calculate the DSCR and tell you instantly if it flies.
30-year fixed, interest-only, ARM — we structure for cash flow, whatever your strategy.
Fast closings, entity vesting handled, and a lender matched to your specific deal.
"I've been working with Ronald for over 10 years — he guarantees all of my buyers are handled with the utmost care."
"Ronald closed us in less than 30 days! Everything was done on time and no questions left unanswered."
Ronald personally reviews every inquiry — expect a call or text the same business day.
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A DSCR (Debt-Service Coverage Ratio) loan qualifies based on a property's rental cash flow rather than the borrower's personal income, making it ideal for scaling a rental portfolio.
Most programs want the rent to cover the payment (a ratio of 1.0+), but options exist below 1.0 with larger down payments.
Many lenders accept short-term rental income using market rent analysis or your actual booking history.
Typically 20–25% for purchases, depending on the DSCR, your credit, and the property type.