DSCR Loans Davie, Florida
Finance a Davie rental on the property’s cash flow – not your tax returns. A uniquely equestrian, semi-rural Broward town anchored by a large university and college campus, with acreage homes, ranch properties, and strong student and family demand. We qualify Davie investors on rent with up to 85% LTV.
- Qualify on the property’s rent — no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- near Nova Southeastern, Forest Ridge, Long Lake Ranches & more
- SFR, Condo, 2–4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Davie DSCR Loans — Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent ÷ payment (DSCR), not your personal income.
- Market: Broward County. Median about $620,000 with rents roughly $2,900-$3,900; I-595 and the Turnpike, Nova Southeastern University and the college campus, and a horse-friendly zoning culture keep acreage homes and student rentals leased year-round.
- Max LTV: Up to 85% (purchase) · 75–80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720–780+). Rates: from 5.75%.
- Florida note: No state income tax and strong rental demand help Davie DSCR, but Florida wind and flood insurance is a major swing factor – we underwrite the real quote.
- Lender: CambridgeHomeLoan.com — direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Davie
What is a DSCR loan in Davie, Florida?
A Davie DSCR loan qualifies on the property’s rent divided by its full payment (PITIA), not your income. Davie sits in Broward County and draws tenants from A uniquely equestrian, semi-rural Broward town anchored by a large university and college campus, with acreage homes, ranch properties, and strong student and family demand. I-595 and the Turnpike, Nova Southeastern University and the college campus, and a horse-friendly zoning culture keep acreage homes and student rentals leased year-round. We qualify Davie rentals on the property’s rent divided by its full payment (PITIA), so you can scale without tax returns.
How we compare
CambridgeHomeLoan vs. Top National DSCR Lenders
Davie investors shop DSCR terms hard. Here’s how our program stacks up against the terms commonly advertised by top national DSCR lenders. Where we lead, it’s highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Rates from | 5.75% | ~5.75–6.5%+ |
| Max LTV (purchase) | Up to 85% | Typically 80% |
| Min DSCR | From 0.75x | 1.0 standard |
| Min FICO | 620 | 620–640 |
| Max loan amount | $20M+ | Commonly $3M–$5M |
| Foreign nationals | Yes — LLC, entity & foreign nationals | Limited / program-dependent |
| Fastest closing | As fast as 14 days | Varies |
“Top national lenders” reflects terms commonly advertised across the DSCR market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Davie market data
Davie rental market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median sale price (2026) | $620,000 |
| Avg. monthly rent (2026) | $2,900-$3,900 |
| Property tax (effective) | 1.0%-1.2% |
| Insurance | Elevated – hurricane wind; flood zones verified |
| Investor angle | Equestrian acreage SFR + university student rentals |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Davie neighborhoods
Where Davie rentals pencil for DSCR
Davie rents and DSCR vary by submarket – here is where deals tend to pencil:
| Submarket | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| near Nova Southeastern | $2,900-$3,900 | Student & family rentals |
| Forest Ridge | $3,100-$4,200 | Gated family SFR |
| Long Lake Ranches | $3,600-$5,500 | Acreage estate SFR |
| Shenandoah | $3,000-$4,000 | Family SFR |
| Pine Island Ridge | $2,700-$3,600 | Condo & value-add |
*Approximate 2026 ranges for illustration — verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Davie rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent ÷ PITIA) and monthly cash flow. Illustrative only; final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Broward County)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Rates
Davie DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% — strongest pricing |
| Tier 2 (720–779, ≤75% LTV) | ~6.25–7.00% |
| Tier 3 (660–719, ≤80% LTV) | ~7.00–7.75% |
| Tier 4 (620–659, up to 85% LTV) | ~7.75–8.50% |
Illustrative tiers, subject to change and underwriting. Not a rate quote.
Florida underwriting
Florida property taxes & your Davie DSCR
Florida has no state income tax and moderate property taxes – commonly 1.0%-1.2% in the Broward County area (rentals do not receive the homestead exemption or the Save Our Homes cap, so budget the non-homestead bill). The bigger DSCR factor in Davie is insurance: hurricane wind and, near the coast, flood coverage can be substantial, so we underwrite a real insurance quote alongside the actual tax bill to get your Davie DSCR right.
| Effective property tax | 1.0%-1.2% (verify per parcel + exemptions) |
| Impact on DSCR | Insurance (wind/flood) + non-homestead taxes swing DSCR – we quote them real |
| Insurance | Elevated – hurricane wind; flood zones verified |
| How we help | We model the true tax + insurance so your DSCR is accurate up front |
Requirements
Davie DSCR loan requirements
| Down payment | Typically 20–25% (purchase) |
| Credit | 620+ FICO; best pricing at 720–780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3–6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Davie DSCR loan FAQ
Why invest in Davie?
A uniquely equestrian, semi-rural Broward town anchored by a large university and college campus, with acreage homes, ranch properties, and strong student and family demand. I-595 and the Turnpike, Nova Southeastern University and the college campus, and a horse-friendly zoning culture keep acreage homes and student rentals leased year-round.
Do you finance 2-4 unit and condo rentals in Davie?
Yes. Davie is a solid single-family, acreage and student rental market; SFR, condo, 2-4 unit, and small multifamily are all eligible, qualified on rent divided by PITIA.
How do taxes and insurance affect my Davie DSCR?
Florida has no state income tax; property taxes are moderate (about 1.0%-1.2% effective here, non-homestead for rentals), but hurricane wind and flood insurance is the biggest DSCR factor. We underwrite a real insurance quote and the actual tax bill so your DSCR is accurate.
Can I close in an LLC as a Davie investor?
Yes. We lend to individuals, LLCs, and entities, and to foreign nationals, with no cap on the number of financed properties.
Keep exploring
Related Davie & Florida investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rental income and property-tax figures are estimates for illustration only and are confirmed per property (Form 1007 appraisal and the actual assessed tax bill). This page is informational and does not constitute financial, legal, tax, or investment advice.