DSCR loans for Florida, Texas, and South Carolina investors

By James Forte, NMLS 16443 · Updated November 9, 2026

Short answer: Forte Financial is a licensed lender in Florida, Texas, and South Carolina, so we can fund DSCR loans in-house there or shop them if another investor fits better. In all three, the property’s rent is compared with its full payment. Insurance, property taxes, and local short-term rental rules are what most often change the result.

Florida

Investors buy single-family homes, condos, condotels, and vacation rentals from Orlando and Kissimmee to Tampa Bay, Jacksonville, South Florida, and Southwest Florida. Homeowners and flood insurance can be a large share of the payment and can push a ratio under the minimum, so price it with a real quote. Florida’s post-2022 condo safety laws (milestone inspections and reserve studies) have made some buildings harder to finance and can lead to special assessments. Some programs allow non-warrantable condos and condotels when the building meets the investor’s overlay. More: DSCR loans in Florida.

Texas

Texas investors mostly buy single-family homes, townhomes, and duplexes or fourplexes in Houston, Dallas-Fort Worth, San Antonio, and Austin. Texas property taxes and insurance can be a large share of the payment, which can lower the ratio even without a state income tax. Austin and several other cities regulate short-term rentals. Texas homestead home-equity rules apply to an owner-occupied homestead, not to a DSCR cash-out on an investment property. More: DSCR loans in Texas.

South Carolina

Popular markets include Myrtle Beach and the Grand Strand, Charleston, Columbia, Greenville-Spartanburg, and Rock Hill near Charlotte. South Carolina taxes second homes and rentals at a higher assessment ratio than a primary residence, so use the investment-property tax figure in the payment. Charleston limits short-term rentals to certain zones with permits, and many Grand Strand buildings are condotels or have rental programs, which makes the condo review important. More: DSCR loans in South Carolina.

Before you make an offer

1. Get a real insurance quote, including wind and flood where it applies.
2. Use the investment-property tax figure, not the seller’s homestead bill.
3. Confirm the town allows the rental use you are planning.
4. For condos, ask about reserves, inspections, assessments, and litigation.
5. Send a quick quote or call (475) 215-5401.

Next: How DSCR is calculated · DSCR loan requirements · Program: DSCR / investor · Also: Florida, Texas, and South Carolina bank-statement loans.

General information, not a rate quote, a commitment to lend, or legal or tax advice. All loans are subject to credit, income, property, and underwriting approval.