Key Takeaways - DSCR stands for Debt Service Coverage Ratio — the loan qualifies on rental income, not your personal income - Ideal for self-employed investors, portfolio builders, and buyers with complex tax returns - Most lenders require a DSCR of 1.0 or higher (1.25+ gets the best pricing) - Available for single-family rentals, condos, and small multi-family properties - Down payments typically start at 20% to 25% on DSCR loans If you have ever been denied a conventional

Key Takeaways - The 30-year mortgage offers lower monthly payments but costs more in total interest - The 15-year mortgage pays off faster and saves significant interest, but demands higher monthly payments - Most Florida homebuyers choose the 30-year for flexibility - Making extra principal payments on a 30-year loan gives you the best of both - The right choice depends on your cash flow, goals, and how long you plan to stay The choice between a 30-year and 15-year fixed mo