Investment Property

Investment Property Loans — South Florida Quality Mortgage
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DSCR & Rental Financing

Investment Property Loans in South Florida

DSCR loans, rental property financing, multi-family, and vacation rental loans from $50,000 to $1,000,000. We understand investor financing — single family, 2-4 units, and 5+ unit properties.

$50K–$1M
Loan range
All
Property types
23+
Years experience
Apply Now — It’s Free Call 954-455-7625

Get Pre-Qualified Today

Response time 24 hours or less — usually same day.

No obligation. No credit pull. NMLS #376794

$50K+
Minimum loan
$1M
Maximum loan
All
Property types
DSCR
No income docs needed
Loan Programs

Investment Property Loan Options

From single family rentals to large multi-family portfolios — we have programs for every type of real estate investor.

DSCR Loans

Debt Service Coverage Ratio loans — qualify based on the property’s rental income, not your personal income. No tax returns required.

Rental Property Loans

Long-term financing for single family and small multi-family rental properties. Competitive rates through our wholesale bank network.

Multi-Family Loans

Financing for 2-4 unit and 5+ unit properties. We lend on duplexes, triplexes, fourplexes, and larger apartment buildings.

Vacation Rental Loans

Financing for short-term rental properties including Airbnb and VRBO. We understand vacation rental income and how to qualify it.

Portfolio Loans

Finance multiple investment properties under one loan. Ideal for investors building or refinancing a portfolio of rental properties.

Cash-Out Refinance

Pull equity from existing investment properties to fund new acquisitions or renovations. Asset-based options available.

Why Choose Us

Why Investors Choose SFQMC

We understand real estate investing. We have loan programs designed specifically for investors — not just homeowners.

DSCR — No Income Docs

Qualify based on the property’s rental income, not your W-2 or tax returns. Ideal for self-employed investors and those with complex income.

Access to Many Wholesale Lenders

As a licensed mortgage broker we shop a wide network of wholesale banks to find the best investment property loan for your situation.

We Are Also a Direct Lender

For loans we originate ourselves, decisions are made in-house — faster approvals and more flexibility for investors who need to move quickly.

23 Years in South Florida

We know this investment market. Local knowledge means we understand rental values, cap rates, and deal structures in South Florida.

How It Works

From application to closing

We make investment property financing straightforward for both new and experienced investors.

1

Apply or Call

Fill out our short form or call us. We respond same day — usually within the hour.

2

Property & Income Review

For DSCR loans we review the property’s rental income. For other programs we review your full financial picture.

3

Loan Approval

We identify the best loan program for your investment and get you approved as fast as possible.

4

Close & Collect Rent

We guide you through closing and stay with you as your loan servicer — you deal with us from start to finish.

Common Questions

Investment Property Loan FAQs

Answers to questions we hear most often from real estate investors.

What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies the borrower based on the property’s rental income rather than personal income. If the property generates enough rent to cover the mortgage payment, you can qualify — no tax returns or W-2s required. Ideal for self-employed investors and those with multiple properties.
Do you finance vacation rentals and Airbnb properties?
Yes — we have programs that use short-term rental income to qualify. We understand how to structure financing for Airbnb and VRBO properties in Florida.
Can I finance multiple investment properties?
Yes — we offer portfolio loans that cover multiple properties under one loan, as well as individual loans for each property. Call us to discuss the best structure for your portfolio.
What is the minimum down payment for an investment property?
Down payment requirements vary by loan program. DSCR and investment property loans typically require 20-25% down. Call us to discuss your specific situation and we will find the best program for you.
Do you lend on 5+ unit apartment buildings?
Yes — we finance multi-family properties including 5+ unit apartment buildings. These are considered commercial loans and we have programs available through our wholesale lender network.

Ready to Grow Your Portfolio?

Call us or apply online — we respond same day, usually within the hour.
No obligation. No credit pull.

Call (954) 455-7625 Apply Online