DSCR Loans for Kendall Investment Properties

Kendall DSCR Loan Overview

If you are an investor looking for a DSCR loan in Kendall, this financing option allows you to qualify based on property cash flow rather than personal income.

With a DSCR loan from On Mortgage, investors can focus on the rental performance of the property instead of traditional income documentation such as tax returns, W-2s, or pay stubs. This approach is well suited for investors purchasing or refinancing rental property in Kendall.

A DSCR (Debt Service Coverage Ratio) loan is an investment loan where approval is based on whether the property’s rental income is sufficient to cover the monthly mortgage payment. Lenders evaluate the property’s cash flow rather than the borrower’s personal income, removing many of the limitations found in conventional loan programs.

The DSCR is calculated by dividing the property’s net operating income by its total debt obligation. A ratio of 1.0 means the property generates enough income to cover the loan payment, while higher ratios indicate stronger cash flow and lower perceived risk. Because approval is tied to property performance, DSCR loans align well with income-producing real estate in markets like Kendall.

DSCR loans are commonly used for long-term rentals, short-term vacation properties, and small multifamily investments. They offer flexible underwriting, faster approvals, and a scalable financing solution for investors looking to grow a rental portfolio in Kendall without income documentation limiting future opportunities.

Why Kendall Is a Strong Market for DSCR Loans (2025 to 2026)

Kendall, Florida shows rental and housing conditions in late 2025 and early 2026 that support DSCR loan underwriting. A meaningful renter presence, well defined rent levels, and a strong local income profile help create consistent rental income, which lenders review when approving DSCR financing.

Kendall rental demand and housing mix

Renter Occupancy Share

Exactly 38.6 percent of households in Kendall are renter occupied, based on the most recent Census housing tenure data. This renter share supports a steady tenant base and helps investment properties maintain reliable rental income for DSCR qualification.

Kendall average rent levels

Defined Rent Levels

As of early 2026, the average rent in Kendall is $2,049 per month across all rental types, with one bedroom rents near $1,857 and two bedroom rents near $2,154. These well measured rent levels help support realistic cash flow projections for DSCR underwriting.

Kendall income and economic profile

Median Income and Local Economics

The median household income in Kendall is $83,664 based on the latest Census estimates. This income profile reflects a strong local economic base that supports rental occupancy and property values, reinforcing conditions favorable for DSCR focused investment financing.

DSCR Financing for Investment Properties in Kendall

Ready to finance your next investment property in Kendall? On Mortgage works with real estate investors, short-term rental owners, and portfolio buyers to secure DSCR financing with flexible terms and a streamlined approval process.


CLICK TO CALL!

 

DSCR Loan FAQs for Kendall Investors

Answers to common questions investors have about DSCR loans and how qualification works.

What is a DSCR loan?

A DSCR loan is a real estate investment loan where approval is based on the rental income of the property rather than the borrower's personal income. Lenders focus on whether the property produces enough cash flow to cover the monthly mortgage payment.

What DSCR ratio do lenders typically require?

Most lenders look for a DSCR between 1.0 and 1.25, depending on the loan program and property type. A ratio of 1.0 means the property covers its mortgage payment, while higher ratios indicate stronger cash flow.

Can DSCR loans be used for short term rentals?

Yes. Many DSCR programs allow financing for short term rental properties. Lenders may use market rent estimates or documented rental income from platforms such as Airbnb and VRBO.

Are tax returns required?

Most DSCR loans do not require tax returns, W-2s, or pay stubs. On Mortgage can explain what documentation is needed based on the specific property and loan structure.

Is there a limit on the number of properties I can finance?

No. Unlike many conventional loan programs, DSCR loans typically do not limit the number of financed investment properties, making them well suited for portfolio investors.

What property types are eligible?

DSCR loans can be used for single family rentals, condos, townhomes, small multifamily properties, vacation rentals, and certain mixed use investment properties in Kendall, subject to lender guidelines.

We Serve the Entire State of Florida

At On Mortgage, we proudly provide DSCR mortgage solutions to homebuyers and investors throughout Florida. Here are some of the cities we serve near Miami, but we aren’t limited to these locations:

• Boca Raton • Boynton Beach • Cape Coral • Clearwater • Coral Springs • Davie • Daytona Beach • Deerfield Beach • Doral • Fort Lauderdale • Hallandale Beach • Hialeah • Hollywood • Homestead • Jacksonville • Kendall • Lauderdale Lakes • Miami • Miami Beach • Miramar • Orlando • Parkland • Pembroke Pines • Pine Hills • Plantation • Pompano Beach • Port Saint Lucie • Saint Petersburg • Sunrise • Tallahassee • Tampa • West Palm Beach • Weston