BRIDGE LOANS
Hard Money & Bridge Financing Solutions
Fast, Flexible DSCR Loans With the Top DSCR Lender in Florida
Whether you’re financing your first rental property or expanding a growing portfolio, Hard Money Loan Solutions (HMLS) is the leading DSCR lender in Florida and across all 50 U.S. states.
We specialize in no-income-verification investment loans that qualify based on your property’s cash flow—not your personal income—so you can scale faster and keep your deals moving.
With competitive terms, nationwide reach, and deep expertise in the Florida market, HMLS helps investors secure long-term, fixed-rate financing with minimal paperwork and fast closings.
Why Choose HMLS as Your Florida DSCR Lender
At HMLS, we design DSCR loans for real investors—not paperwork. Our streamlined process focuses on your property’s income potential, giving you freedom to build wealth without red tape.
- Loan Amounts: Up to $3 million (larger on request)
- DSCR as low as 0.75 accepted
- LTV up to 75%
- Fixed 30-year terms available
- Property Types: Single-family, multifamily, short-term rentals (Airbnb/VRBO), and mixed-use
- No income or employment verification required
- No credit score requirements
- Foreign nationals welcome
- Fast Closings: 1–2 weeks
HMLS stands out because we combine local market insight with nationwide lending power—giving investors flexible, dependable financing whether they’re buying in Florida or expanding portfolios across the U.S.
Get a quote today and see how easy it is to qualify with Florida’s most trusted DSCR lender.
What Is a DSCR Loan and How Does It Work?
A Debt Service Coverage Ratio (DSCR) loan is a mortgage designed for real estate investors. Instead of analyzing personal income, lenders use the property’s rental income to determine eligibility.
If the property generates enough income to cover its monthly mortgage payments (even at a low ratio like 0.75), you can qualify—making DSCR loans ideal for investors with multiple properties, self-employed income, or limited documentation.
HMLS DSCR loans help investors close fast and scale efficiently—without the bottlenecks of traditional lending.
Learn more about DSCR loans from our comprehensive guides:
- DSCR Loan Requirements and Guidelines
- Finding the Best DSCR Lender
- Pros and Cons of Refinancing a Rental Property with a DSCR Loan
- DSCR Loan vs. Mortgage
- DSCR Loan Pros and Cons
- Using a DSCR Loan for Commercial Property
- DSCR Construction Loans
- DSCR Loan for Airbnb
- How Many DSCR Loans Can You Have?
DSCR Loans in Florida — Why It’s the Perfect Market
Florida’s booming real estate market offers unmatched opportunities for rental income and appreciation. From Palm Beach and Miami to Tampa, Orlando, and Jacksonville, rental demand remains strong year-round, fueled by tourism, relocations, and population growth.
That’s why investors across the U.S. turn to HMLS—Florida’s go-to DSCR lender—for reliable, long-term financing that unlocks equity and fuels expansion.
Top reasons to invest with a Florida DSCR lender:
- Strong rental demand from both long-term tenants and short-term vacationers
- No state income tax and landlord-friendly laws
- Year-round cash flow potential
- Rapid appreciation in key metros and coastal markets
- Simplified approvals through local lenders like HMLS who understand Florida regulations
Why Investors Choose HMLS
- Florida Expertise: Decades of lending experience in South Florida’s dynamic property markets
- Speed and Simplicity: Direct private lending—no middlemen, no bank delays
- Flexible DSCR Terms: We finance both new acquisitions and cash-out refinances
- Investor-Friendly Programs: Ideal for short-term rentals, BRRRR strategies, and multi-property portfolios
- Nationwide Reach: While based in Florida, HMLS funds DSCR loans across the U.S.
When you partner with HMLS, you’re not just getting a loan—you’re getting a lender
Frequently Asked Questions
What makes HMLS the best DSCR lender in Florida?
HMLS combines fast approvals, flexible DSCR requirements (as low as 0.75), and deep Florida market knowledge, making it ideal for investors who need speed and reliability.
Can I qualify for a DSCR loan with bad credit?
Yes. HMLS focuses on the property’s cash flow, not your credit score. Even investors with less-than-perfect credit can qualify if the numbers work.
Do DSCR loans work for Airbnb or short-term rentals?
Absolutely. HMLS finances short-term rental properties using either actual or projected Airbnb income to calculate DSCR.
How fast can a DSCR loan close in Florida?
Most HMLS DSCR loans close in 7–14 days, significantly faster than conventional bank loans.
What is the minimum DSCR ratio HMLS accepts?
HMLS approves loans with DSCR ratios as low as 0.75, depending on equity and property performance.
Can foreign nationals apply?
Yes. HMLS offers DSCR loans to both U.S. and foreign investors, making it easy for international buyers to enter the Florida market.
Finance Your Next Florida Investment with HMLS
When opportunity knocks, waiting weeks for bank approval isn’t an option.
As Florida’s top DSCR lender, Hard Money Loan Solutions provides fast, flexible loans built for serious investors who want results—fast.
Don’t let red tape hold you back.
Get pre-qualified today and discover how simple investing can be with HMLS.
HML QUICK APPLICATION
Use our quick-start application below to begin the process. Once received, we will contact you via phone to verify your interest and to gather a few more details:
