Gainesville DSCR Loans for Real Estate Investors
- Naomi Keck
- May 29
- 2 min read
Gainesville has become one of the more attractive rental markets in Florida for real estate investors. With the University of Florida, strong rental demand, healthcare employment, and lower home prices than South Florida, many investors are targeting Gainesville for long-term rentals, student housing, and Airbnb properties.
At Keck Capital, we offer flexible DSCR loans designed specifically for investors.
What Is a DSCR Loan?
A DSCR loan qualifies primarily based on the property’s rental income instead of personal income.
NO Tax returns
NO W-2s
NO Employment verification
The main focus is whether the property cash flows.
How DSCR Is Calculated
Example:
Rental income: $3,000/month
PITIA payment: $2,400/month
A 1.25 DSCR means the property generates 25% more income than the monthly housing expense.
Gainesville DSCR Loan Options
We offer financing for:
Long-term rentals
Airbnb properties
Student housing
Multifamily properties
Portfolio investors
LLC ownership
Programs options include:
Interest-only options
No-points options
Great rates
LLC vesting
Short-term rental financing
New Purchase, Refinance & Cash-Out Options
So what does a DSCR Loan in Gainesville mean for you? You can purchase a new investment property with only 20% down payment. Already own an investment property? We can refinance up to 80% LTV rate & term and 75% LTV cash out.
Many investors use cash-out refinances to purchase additional rentals or fund renovations.
We also offer investment property HELOCs for investors looking for flexible access to equity.
A Small Boutique Lender Experience
At Keck Capital, you are not being passed around a giant call center or routed through five different departments.
You work directly with me, Naomi, throughout the process.
I built Keck Capital to feel different from the big-box lenders. We are a small boutique lender focused on real relationships, creative problem solving, quick communication, and making the process feel less corporate and overwhelming.
Real estate investing should be exciting. Financing should help you grow, not stress you out.
Whether you are buying your first rental or scaling a portfolio, I would love to help!
