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DSCR Loans in Florida for Investors and Brokers
Florida runs on investor capital, from Miami and Fort Lauderdale through Tampa, Orlando, and Jacksonville. The volume brings structuring complexity that vanilla programs are not built for, concentrated in three places: condos, insurance, and short-term rental income.Brick City Capital provides DSCR loans in Florida for brokers and investor clients where the structure of the deal, not borrower quality, is the real obstacle. We underwrite to how the asset actually performs.
Across Miami, Fort Lauderdale, West Palm Beach, Tampa, Orlando, Jacksonville, and the Gulf Coast, investor demand is deep. But Florida's condo laws, insurance market, and short-term rental dynamics introduce structural realities that materially affect underwriting:
Florida's milestone-inspection and structural reserve requirements push many condo buildings into non-warrantable status, where conventional financing is unavailable.
The highest property insurance costs in the nation, where coverage availability and roof or wind-mitigation condition can decide whether a deal pencils.
Heavy vacation-rental concentration in markets like Orlando and the Gulf Coast, where assets underwrite on seasonal or projected income rather than long-term leases.
Appraisal variability across coastal properties, renovated assets, and condo units in buildings with open structural questions.
Elevated investor concentration in condo and rental-heavy buildings, where ownership ratios push deals outside conventional limits.
New construction and recently renovated assets without a stabilized rental track record.
In this environment, qualification is rarely about income alone. It’s about how the deal is structured around tax exposure, concentration limits, and timeline risk.
As a flexible DSCR lender in Florida, we structure around the state's real obstacles instead of declining on them.
We are not built to compete on vanilla rate sheets. We are built for:
In Florida, structure decides execution. And execution protects broker credibility.
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50 Park Place, Suite 301
Newark, NJ 07102
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