Cape Coral, FL · DSCR Rental Loans
DSCR Rental Loans in Cape Coral
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Cape Coral investors choose 818
Cape Coral is 120 square miles of pre-platted lots and canal-front SFR — the largest infill construction canvas in Florida, layered with STR and seasonal-rental demand across the Yacht Club and SW Cape. The underwriting reality post-2022 is insurance: wind and flood premiums decide whether a deal cash-flows, so DSCR math here has to start from a real quote, not a placeholder.
Our edge here: We underwrite Cape Coral with real insurance quotes in the DSCR and AirDNA-backed STR revenue — and our construction product fits the infill-lot build math.
DSCR Rental Loans: Cape Coral terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Program details that apply in every market: DSCR Rental Loans — national program page
Common questions — Cape Coral DSCR loans
Does 818 Capital offer DSCR loans in Cape Coral?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Cape Coral and the greater Lee County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Cape Coral?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Cape Coral neighborhoods do you lend in?
We actively finance DSCR loans across SW Cape / Pelican, Yacht Club, SE Cape Coral, NW Cape Coral, and other submarkets of Lee County.
How fast can 818 Capital close a DSCR loan in Cape Coral?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Cape Coral
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental Loans in other markets
Ready to close your Cape Coral deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.