DSCR financing lets Fernandina Beach real estate investors qualify entirely on the property's rental income — not personal income. Down payment is typically 25% ($171,200 on Fernandina Beach's $685,000 median), and there are no income documents, no tax returns, and no employment verification. Properties can close directly in an LLC.
Fernandina Beach's rental market supports strong DSCR ratios. A DSCR of 1.0 means monthly rent exactly covers PITIA (principal, interest, taxes, insurance, HOA). Most lenders require 1.0 minimum; some require 1.1–1.25 for better pricing. We'll run a DSCR analysis on any Fernandina Beach property before you make an offer.
DSCR loans are not limited to STR — long-term rental properties in Fernandina Beach qualify equally. We run DSCR analysis for both income scenarios so you can choose the highest-return strategy.
Send us the property address and projected rent and we'll run a full DSCR analysis same day — including rate scenarios at 20%, 25%, and 30% down.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624