Florida DSCR Loan Calculator
Screen a Florida rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Florida; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Florida DSCR assumptions
The calculator seeds Florida with a starting property value of $400,000.00, starting rent of $1,700.00, annual property tax based on a 0.78% effective rate, and estimated annual insurance of $6,450.00.
STR note: Florida has a complex history — state law preempts local STR bans (F.S. § 509.032) but municipalities grandfathered before 2011 can maintain restrictions. Post-2011 municipalities cannot ban STRs entirely but can regulate them. This preemption law is subject to ongoing litigation and legislative amendment. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Tampa/Hillsborough County (strong rent growth, diverse economy, hybrid). Jacksonville/Duval County (most affordable major FL city, cash flow friendly). Orlando/Orange County (tourism + tech + medical, hybrid). South FL (Miami-Dade/Broward — high appreciation, difficult cash flow). Ocala/Marion County (affordable cash flow, retiree/logistics growth). Polk County/Lakeland (logistics hub, affordable entry).
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