Jacksonville real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Jacksonville Rate →Jacksonville is the largest city by land area in the continental US with the most affordable median prices in Florida. Naval Station Mayport, NAS Jacksonville, the port, and a growing finance sector (Bank of America, Fidelity, Wells Fargo) anchor the economy. Better cash flow than South Florida metros without sacrificing population growth.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Jacksonville metro including Orange Park, Nocatee, Ponte Vedra, Fleming Island, and Middleburg.
Jacksonville rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Orange Park often qualify easily on gross rent alone.
Jacksonville markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Jacksonville allow LLC borrowing with personal guarantees. Standard for asset protection.
Jacksonville's 4.8% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Jacksonville properties.
Yes. DSCR loans qualify based on the Jacksonville rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Jacksonville DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Jacksonville rental yields average 7.5% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Jacksonville allow borrowing in an LLC with a personal guarantee.
Jacksonville DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Jacksonville areas have STR restrictions — verify local rules.
Standard DSCR loans in Jacksonville go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Jacksonville rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001