Chris Lederer
Production Manager
NMLS #2004549
Glen Dicken
Sr. Loan Officer
NMLS# 313548
Jen Papaelias
Sr. Loan Officer
NMLS# 2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
At Crestmark Lending, DSCR financing is our core focus. We work exclusively with real estate investors throughout Florida, structuring loans around rental property cash flow—not personal income, tax returns, or traditional DTI requirements. Our streamlined process delivers the speed, flexibility, and transparency investors need to scale with confidence.
Unlike traditional lenders, Crestmark is dedicated solely to DSCR loans for investors, offering flexible guidelines, simplified documentation, and fast, predictable approvals for both purchases and refinances.
Crestmark Lending is a DSCR-focused mortgage broker serving Florida real estate investors, offering faster approvals, streamlined underwriting, and access to a broad network of national DSCR lenders.
We specialize in investment property financing and deliver the competitive pricing, flexible guidelines, and speed investors need to acquire properties and scale their portfolios.
Designed for long-term rentals with 1–4 units and small multifamily income producing properties
Refinance your property to reduce payments or easily access equity for future investments
Flexible DSCR loan programs for multi-family properties with competitive rates, LTVs, and investor-friendly terms
LLC-owned investment properties, qualified by rental cash flow strength and performance
DSCR financing for rental property upgrades, rehab projects and renovations
DSCR new construction loans for build-to-rent financing with long-term DSCR takeout options
High-balance financing for larger rentals and experienced portfolio investors
Whether you’re acquiring your first rental or scaling a growing portfolio, we deliver fast, investor-friendly DSCR financing with minimal documentation.
At Crestmark Lending, our DSCR loan specialists combine speed, flexibility, and deep DSCR expertise to help investors finance and scale with confidence.
Production Manager
NMLS #2004549
Sr. Loan Officer
NMLS# 313548
Sr. Loan Officer
NMLS# 2692859
Branch Manager
NMLS #2014728
Sr. Loan Officer
NMLS #277507
Crestmark Lending partners with 20+ DSCR lenders to provide Florida real estate investors with competitive pricing, flexible guidelines, and financing solutions tailored to a wide range of investment strategies.
Investors across Florida trust Crestmark Lending for efficient approvals, fast closings, and dependable service, helping them secure capital quickly and continue growing their portfolios.
Our goal is to close loans in 21 days or less through a streamlined process.
Lower rates by comparing 20+ lenders across multiple wholesale DSCR programs.
Flexible underwriting for unique properties and complex investor scenarios.
A Florida DSCR loan is an investor-focused mortgage that qualifies borrowers based on a property’s rental income rather than personal income, W-2s, or tax returns. Instead of reviewing traditional debt-to-income ratios, Florida DSCR lenders compare the property’s monthly rental income to the full housing payment (PITIA) to calculate the Debt Service Coverage Ratio. When the rental income meets or exceeds the required payment, the investment property may qualify for financing.
Most DSCR lenders require a minimum credit score around 660 and a DSCR ratio of 1.00 or higher, meaning the property’s rental income is sufficient to cover the monthly mortgage payment. However, DSCR guidelines can vary by lender. In some cases, borrowers may qualify with a lower DSCR—even below 1.00—when supported by stronger credit, additional cash reserves, or adjusted loan pricing.
Yes. Florida DSCR loans are designed specifically for real estate investors and can typically be closed in an LLC, corporation, or other approved entity structure. This flexibility allows Florida investors to separate personal liability, maintain clean and organized bookkeeping, and efficiently manage multiple rental properties under a single ownership entity.