Capital Kings LLC

DSCR Loans in Jacksonville, FL.

DSCR loans for Jacksonville rentals, thirty-year fixed, qualified on the lease. Duval has lower taxes than Texas and the insurance is the line to watch, so the ratio here comes down to the landlord policy and the flood zone.

Get a DSCR term sheet →Run your numbers

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026

Worked example, October 2026Westside, $220,000 house, 745 credit

Rent$1,694

Full payment$1,638

Principal + interest $1,196 Taxes $325 Insurance $117

DSCR1.03x

Rate7.21%

Cash to close$55,170

Price my Jacksonville rental →

In short Terms as of October 2026

Jacksonville DSCR loans are 30-year fixed rental loans qualified on the property’s rent, not your income. Rates start at 6.69% (760+ credit, 70% LTV, 5-year prepay), purchases go to 80% LTV at 700+ credit, the credit floor is 660, and the rent has to cover the full payment at 1.00 or better. On a $220,000 Jacksonville house renting for $1,694, with Jacksonville taxes at 1.77% of value, the ratio is 1.03 and cash to close is $55,170.

Capital Kings LLC is a broker, not a lender: we shop each Jacksonville rental across 400+ lenders and send the term sheet with every fee on it.

The terms

Jacksonville DSCR terms, as of October 2026

Rate	From 6.69%, 30-year fixed760+ credit at 70% LTV with a 5-year prepay. 7.46% at 700 to 719 credit and 80% LTV.
Loan to value	Up to 80% on a purchase75% on a cash-out refinance, 700+ credit
Minimum credit	66075% LTV at 680 to 699, 65% at 660 to 679
Minimum DSCR	1.00Rent divided by principal, interest, taxes, insurance and HOA
Origination	None lender originationLender fees about $2,295 (underwriting, legal, setup)
Broker fee	1%, $2,000 minimumThe only money Capital Kings earns, its own line on the term sheet
Reserves	3 months of the payment on a purchase6 months on a refinance
Minimum loan	$100,000
Close time	21-30 daysAppraisal with a rent schedule, entity docs and an insurance binder
Experience	None requiredA first rental prices the same as a tenth

Jacksonville DSCR rates by credit, as of October 2026

Credit	Purchase LTV	Purchase rate	Cash-out LTV	Cash-out rate
760+	80%	7.05%	75%	7.12%
740 to 759	80%	7.21%	75%	7.28%
720 to 739	80%	7.34%	75%	7.41%
700 to 719	80%	7.46%	75%	7.53%
680 to 699	75%	Priced per file	70%	Priced per file
660 to 679	65%	Priced per file	60%	Priced per file

Single family, rate at the maximum LTV, 5-year prepay. Add 0.26% for 2-4 units. We price every file against the whole network before you sign.

Worked example

One Jacksonville rental, priced the way the application prices it

A 3-bedroom house on the Westside (32210) at Zillow’s typical home value for the ZIP, rented at Zillow’s average for 3-bedroom houses there, 745 credit, 80% financed, with Duval’s 2025 millage and a scaled insurance premium.

Does it cover? 1.03x

Loan$176,00080% of $220,000 at 7.21%

Principal and interest$1,19630-year fixed

Property taxes$3251.77% of value, $3,903 a year

Insurance$117$1,405 a year

Full payment$1,638$1,694 rent ÷ $1,638 = 1.03 DSCR, $56 a month left before vacancy and repairs

Rent$1,694
Zillow’s average rent for 3-bedroom houses in 32210, against a 32210 home value index of $220,477. Zillow rental market trends, 3-bed houses, Westside 32210, Oct 18, 2026.
Property tax1.77%
2025 non-homestead millage in the General Services District: schools, the consolidated City of Jacksonville, the St. Johns River Water Management District and Inland Navigation, 17.7412 mills. Duval County Property Appraiser, 2025 final millage chart, Oct 19, 2026.
Insurance$1,405 a year
NerdWallet’s Jacksonville average of $2,555 a year for $400K of dwelling coverage, scaled to this house; it leaves out flood and the wind deductible. NerdWallet, average homeowners insurance cost by city, May 6, 2026. An owner-occupant average; a landlord policy can price differently, so get a quote.

The term sheet

Every fee, and who gets paid

The term sheet the application builds for this house: $44,000 down, every closing fee, and who each dollar goes to.

Cash to close$55,170

Proof of funds to show$60,084

Where the $55,170 goes

Down paymentEquity$44,000
Appraisal feeAppraiser$550
Prepaid interestLender$521
Lender fees, underwriting and legalLender$2,295
Broker feeBroker$2,000
Closing / titleTitle co$3,423
Property insurance, first yearInsurer$1,405
Escrow setup, 3 months of taxesLender$976

Proof of funds adds $4,914 of reserves, 3 months of the $1,638 payment, that stay in your account.

Sample sheet, fictional borrower, same engine that builds yours. Yours takes about two minutes and doesn’t pull your credit.

Run the numbers

Price your Jacksonville rental

Purchase price or valueMonthly rentCredit scorePurposeUnitsAnnual taxes (blank = 1.77%)

Enter your numbers to see the rate, the loan size and the ratio.

Get the real term sheet →Same numbers as the application. No credit pull, nothing saved.

Jacksonville notes

What moves the ratio in Jacksonville

The Westside, Arlington and Northwest Jacksonville are where 3-bedroom houses still rent for enough to carry an 80% loan. Beaches and San Marco values outrun their rents, so expect a lower loan there.

Taxes

Duval’s 2025 non-homestead millage is about 1.77% of taxable value. After you buy, the non-school part of the assessment can rise up to 10% a year, so the bill climbs toward market even if the rate holds.

Insurance

Florida landlord policies carry a separate hurricane deductible, and many lenders require flood insurance in mapped zones near the St. Johns and its creeks. Quote both before you lock the purchase; the city average leaves them out.

Rent

On the Westside a 3-bedroom house rents for a little under 0.8% of its value a month, enough to clear at 80% with Duval’s lower tax line. Arlington runs similar; Beaches houses do not.

Where it pencils

Lakeshore and the Westside, Arlington, Northwest Jacksonville and Murray Hill are the rental ZIPs we price most.

DSCR loans across Florida →Hard money and flip loans in Jacksonville →Every Florida program →

Local figures: Zillow rental market trends, 3-bed houses, Westside 32210, Oct 18, 2026 · Zillow home value index, Westside 32210, Sep 30, 2026 · Duval County Property Appraiser, 2025 final millage chart, Oct 19, 2026 · NerdWallet, average homeowners insurance cost by city, May 6, 2026.

Questions

Jacksonville DSCR FAQ

What are DSCR loan rates in Jacksonville, FL right now?

As of October 2026, from 6.69% on a 30-year fixed for 760+ credit at 70% LTV with a 5-year prepay. At the 80% purchase cap: 7.05% at 760+, 7.21% at 740 to 759, 7.34% at 720 to 739, 7.46% at 700 to 719. Add 0.24% for a cash-out refinance and 0.26% for 2-4 units. No lender origination; lender fees about $2,295 plus our 1% broker fee ($2,000 minimum).

How much do I need to put down on a Jacksonville DSCR loan?

At least 20% of the price at 700+ credit, 25% at 680 to 699 and 35% at 660 to 679, plus closing costs and 3 months of the payment in reserves. On the $220,000 example that is $44,000 down, $55,170 cash to close and $60,084 of proof of funds.

Does a typical Jacksonville rental qualify for a DSCR loan?

On our example, yes: a $220,000 house in Westside renting for $1,694 carries a $176,000 loan at 7.21%. The full payment is $1,638 ($1,196 principal and interest, $325 taxes, $117 insurance), so the ratio is 1.03 and the rent clears the 1.00 minimum at the full 80% LTV.

What property tax and insurance numbers should I use in Jacksonville?

The real ones, because both sit inside the payment the rent has to cover. We used 1.77% of value for taxes (2025 non-homestead millage in the General Services District: schools, the consolidated City of Jacksonville, the St. Johns River Water Management District and Inland Navigation, 17.7412 mills) and $1,405 a year for insurance (NerdWallet’s Jacksonville average of $2,555 a year for $400K of dwelling coverage, scaled to this house; it leaves out flood and the wind deductible). Get a landlord policy quote and the county’s tax estimate before you go under contract.

What credit score do I need for a DSCR loan in Jacksonville?

660 or higher on the instant term sheet. Credit sets the leverage: 80% LTV at 700+, 75% at 680 to 699 and 65% at 660 to 679. Below 660, we price the file by hand across the network.

Can a first-time investor get a DSCR loan in Jacksonville?

Yes. There is no experience requirement: the property qualifies, not your landlord history. You need 660+ credit, the down payment, 3 months of reserves and a rental whose rent covers the full payment, held in an LLC.

How fast does a DSCR loan close in Jacksonville?

21-30 days days is typical once the appraisal with its rent schedule, the entity documents and the insurance binder are in.

Is Capital Kings a DSCR lender in Jacksonville?

No. Capital Kings LLC is a broker. We shop your Jacksonville rental across 400+ lenders, price it on one term sheet with every fee shown, and run the file to closing. Our 1% broker fee is the only money we earn on the loan.

Do I need flood insurance for a Jacksonville DSCR loan?

In a mapped flood zone, yes, and the premium goes into the payment the rent has to cover. Much of the city sits near the St. Johns River or one of its creeks, so check the zone before you make an offer.

Can a Jacksonville short-term rental qualify for a DSCR loan?

Some lenders accept projected short-term rental income, priced lender by lender. The instant term sheet uses the long-term lease or the appraiser’s market rent, so underwrite on that first.

Who you’re working with

Founder & CEO

Micah Foster

Micah brokers DSCR, hard money and new construction loans for real estate investors across 37 states. He founded Capital Kings LLC to give investors a broker who shops the market on their behalf instead of pitching one lender product, and every term sheet he sends is itemized down to the last fee.

Send Micah your rental →

Keep reading

Before you buy the rental

Ready to price your Jacksonville rental?

Two minutes to an instant DSCR term sheet. No credit pull, no tax returns, every fee on the page.

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