DSCR Loans Jacksonville, Florida
Finance a Jacksonville rental on the property's cash flow - not your tax returns. Florida's largest city by land area, an affordable big-city market powered by logistics, finance operations, healthcare, and three military installations. We qualify Jacksonville 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
- Riverside / Avondale, San Marco, Springfield & more
- SFR, Condo, 2–4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Jacksonville 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: Duval County. Median about about $300,000 with rents roughly about $1,500-$2,100; JAXPORT, I-95, Mayo Clinic and Baptist Health, and Naval Air Station Jacksonville anchor deep, steady rental demand.
- 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 Jacksonville 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 Jacksonville
What is a DSCR loan in Jacksonville, Florida?
A Jacksonville DSCR loan qualifies on the property's rent divided by its full payment (PITIA), not your income. Jacksonville sits in Duval County and draws tenants from Florida's largest city by land area, an affordable big-city market powered by logistics, finance operations, healthcare, and three military installations. JAXPORT, I-95, Mayo Clinic and Baptist Health, and Naval Air Station Jacksonville anchor deep, steady rental demand. We qualify Jacksonville 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
Jacksonville 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.
Jacksonville market data
Jacksonville 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) | about $300,000 |
| Avg. monthly rent (2026) | about $1,500-$2,100 |
| Property tax (effective) | about 0.9%-1.1% |
| Insurance | Elevated - hurricane wind; flood zones verified |
| Investor angle | Affordable big-city market; strong rent-to-price cash flow |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Jacksonville neighborhoods
Where Jacksonville rentals pencil for DSCR
Jacksonville rents and DSCR vary by submarket - here is where deals tend to pencil:
| Submarket | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| Riverside / Avondale | $1,700-$2,400 | Historic SFR value-add |
| San Marco | $1,700-$2,400 | Premium SFR & condos |
| Springfield | $1,500-$2,100 | Historic value-add & BRRRR |
| Southside / Tapestry Park | $1,600-$2,200 | Condos & rentals |
| Mandarin | $1,600-$2,200 | Family SFR |
| Arlington | $1,400-$1,900 | Value-add & 2-4 unit |
| Northside | $1,400-$1,900 | Workforce & near-port rentals |
*Approximate 2026 ranges for illustration — verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Jacksonville 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 (Duval County)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Rates
Jacksonville 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 Jacksonville DSCR
Florida has no state income tax and moderate property taxes - commonly about 0.9%-1.1% in the Duval 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 Jacksonville 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 Jacksonville DSCR right.
| Effective property tax | about 0.9%-1.1% (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
Jacksonville 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
Jacksonville DSCR loan FAQ
Why invest in Jacksonville?
Florida's largest city by land area, an affordable big-city market powered by logistics, finance operations, healthcare, and three military installations. JAXPORT, I-95, Mayo Clinic and Baptist Health, and Naval Air Station Jacksonville anchor deep, steady rental demand.
Do you finance 2-4 unit and condo rentals in Jacksonville?
Yes. Jacksonville is a solid single-family, condo and 2-4 unit 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 Jacksonville DSCR?
Florida has no state income tax; property taxes are moderate (about about 0.9%-1.1% 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 Jacksonville investor?
Yes. We lend to individuals, LLCs, and entities, and to foreign nationals, with no cap on the number of financed properties.
Jacksonville economy & investor demand
Why Jacksonville rentals stay in demand
Jacksonville pairs affordability with a genuine big-city economy: JAXPORT and interstate logistics, large financial back-office operations (Bank of America, Fidelity and others), the Mayo Clinic Florida and Baptist Health systems, and three military installations including NAS Jacksonville and Mayport. As Florida's largest city by area with strong in-migration and landlord-friendly conditions, it delivers some of the state's best rent-to-price ratios for buy-and-hold DSCR investors.
Nearby markets
DSCR loans in nearby Florida cities
We finance rentals across Northeast Florida and the greater Jacksonville area. Explore nearby Florida DSCR markets, each with local rents, taxes, and submarket detail:
Keep exploring
Related Jacksonville & 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.