Commercial
DSCR Investment in Gulf Stream, FL
What is a DSCR Investment? DSCR Investment is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Gulf Stream, FL.
Gulf Stream homebuyers trust Custom Mortgage for their DSCR Investment needs. With deep knowledge of the local market, from undefined to undefined, we provide tailored solutions with rates as low as 7.25%.
Program Benefits
Competitive interest rates and flexible terms
Streamlined application process with fast approvals
Experienced loan officers dedicated to your success
Multiple financing options to fit your unique situation
Transparent pricing with no hidden fees
Nationwide lending with local expertise
Program Highlights
Max LTV
95%
Min Credit Score
620
Max DTI
45%
Loan Amount Range
$100K - $2M
Amortization Options
Eligible Properties
- Single Family
- 2-4 Units
- Condos
- Townhomes
- PUDs
Program Requirements
Income Documentation
- •W-2 forms or pay stubs from the last 2 years
- •Tax returns for the last 2 years (self-employed)
- •Proof of any additional income sources
Asset Verification
- •2 months of recent bank statements
- •Verification of down payment funds
- •Documentation of reserves (if required)
Insurance & Title
- •Homeowners insurance policy
- •Title insurance at closing
- •Flood insurance (if in flood zone)
Property Requirements
- •Minimum credit score varies by program
- •Clean credit history with no recent bankruptcies
- •Debt-to-income ratio within program guidelines
DSCR Investment in Gulf Stream: The Complete Guide
What is Dscr Investment?
Dscr Investment offers flexible financing solutions for borrowers seeking general loans. This program provides competitive rates, flexible terms, and a streamlined approval process designed to help you achieve your real estate goals.
Benefits of This Program
- •Access to competitive interest rates based on current market conditions
- •Flexible underwriting guidelines to accommodate various financial situations
- •Quick approval process with dedicated loan officers
- •Multiple property types accepted including single-family homes and multi-unit properties
- •Options for purchase and refinance transactions
- •No prepayment penalties on most loan products
How to Qualify
- •Maintain a credit score meeting program minimums
- •Provide documentation of stable income and employment
- •Meet debt-to-income ratio requirements
- •Demonstrate ability to make down payment and cover closing costs
- •Property must meet program guidelines and pass appraisal
- •Complete required homebuyer education (if first-time buyer)
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
Est. Monthly Payment in Palm Beach County
$2,425/mo
Based on $505,500 median · 20% down · P&I only
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Est. Monthly Payment in Palm Beach County
$3,289/mo
Based on $505,500 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Live Market Data: Palm Beach County
Source: Redfin · 2025-12-31Median Sale Price
$505,500
Median List Price
$529,999
Price / Sq Ft
$292.254
Days on Market
87
Active Listings
12,890
Homes Sold
2,228
Sale-to-List Ratio
94.7%
2025 Conforming Loan Limits: PALM BEACH
1-Unit (SFR)
$806,500
2-Unit (Duplex)
$1,032,320
3-Unit (Triplex)
$1,247,655
4-Unit (Fourplex)
$1,550,899
Source: FHFA 2025 Conforming Loan Limits. Loans above these limits require jumbo financing.
DSCR Investment in Gulf Stream, FL
Palm Beach County is performing more strongly than its headline inventory numbers suggest. Despite 12,890 active listings and an 87-day median days on market, prices have held — up 1.1% year-over-year to a median of $505,500 — and the 94.7% sale-to-list ratio reflects a bifurcated market where luxury properties transact at a discount while the sub-$600K segment remains competitive. The county has absorbed a significant wave of high-net-worth migration from the Northeast and Midwest, and that demographic anchor continues to support pricing floors.
West Palm Beach, Boca Raton, and Wellington are each operating as distinct sub-markets with different price dynamics. Luxury buyers above $2M are the most deliberate and rate-insensitive; the $600K-$1.2M move-up segment is where we see the most rate sensitivity and where seller-funded buydowns are most effective. The $806,500 conforming limit is a tool for the entry portion of the market; much of Palm Beach transactions require high-balance conventional or jumbo programs.
Palm Beach County has attracted a wave of private equity principals, hedge fund managers, and family office capital that relocated during and after the pandemic. These high-net-worth borrowers often have complex income structures — partnership distributions, carried interest, capital gains — that require jumbo underwriting with flexible income documentation. At the same time, the county's healthcare, education, and hospitality workforce creates steady conventional and FHA purchase volume at the lower end of the price spectrum.
For high-net-worth borrowers with complex income, bring two years of K-1s and partnership returns to pre-approval — Palm Beach jumbo lenders price aggressively for well-documented complex income.
Service Areas & Neighborhoods
Our Gulf Stream Presence
Local Knowledge. Global Rates.
200 S Biscayne Blvd
Miami, FL 33131
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Principal & Interest Only
Common Questions About DSCR Investment in Gulf Stream
Dscr Investment is a mortgage financing solution for borrowers seeking general loans. CMRE offers Dscr Investment with competitive wholesale pricing, flexible underwriting, and a 24-hour pre-approval turnaround. Eligible borrowers include W-2 employees, self-employed individuals, and real estate investors depending on documentation and loan type.
CMRE conventional loans require a minimum 620 FICO with 3%–20% down. FHA accepts 580 FICO with 3.5% down. Non-QM and bank statement programs start at 660 FICO with 10%–20% down. Hard money and DSCR loans have no minimum FICO — equity position (65%–80% LTV) determines approval. Our Instant Advisor tool identifies which program fits your credit profile.
CMRE pre-approval takes 24 hours from completed application. Conventional, FHA, and VA loans close in 21–30 days. Non-QM and bank statement loans close in 14–21 days. Hard money and bridge loans close in 7–14 business days. Rate lock begins at pre-approval to protect against market movement during underwriting.
Standard documentation includes 2 years of W-2s or tax returns, 2 months of bank statements, a government-issued ID, and a signed purchase contract or property address. Self-employed borrowers can use 12–24 months of business or personal bank statements instead of tax returns. DSCR loans require only a lease agreement or market rent appraisal — no personal income documentation.
Yes. CMRE finances investment properties across all program categories. Conventional investment loans allow up to 75% LTV. DSCR loans qualify based on property cash flow (1.0x minimum ratio) — not personal income. Hard money loans fund fix-and-flip and bridge scenarios at 65%–80% LTV. There is no limit on the number of investment properties financed via DSCR.
CMRE operates as a direct lender and wholesale broker, giving clients access to over 40 lenders and wholesale pricing not available at retail banks. NMLS #1556995. Licensed in CA, TX, FL, WA, OR, AZ, NV, CO, GA, NC, SC, TN, and VA. CMRE closes loans in an average of 21 days and offers programs for borrowers banks decline — self-employed, investors, foreign nationals, and borrowers with recent credit events.
The current national 30-year fixed rate is 6.00% (Freddie Mac PMMS). DSCR Investment rates in Gulf Stream vary by loan amount, LTV, and credit profile — CMRE provides locked quotes within 24 hours of application.
CMRE typically closes DSCR Investment loans in Gulf Stream within 21-30 days from application. The Palm Beach County market has seen home prices rise 1.1% year-over-year — having a fully underwritten approval before you write an offer is critical in this competitive environment. Our FL-licensed team coordinates title, escrow, and appraisal concurrently to minimize time-to-close.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Gulf Stream and throughout Palm Beach County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE is an SBA Preferred Lender in Gulf Stream. We offer SBA 7(a), 504, and Express loans for Palm Beach County business owners purchasing or refinancing commercial real estate.
DSCR Investment by Location
Get local rates, loan limits, and market data for DSCR Investment in your area.
AZ
CA
CO
FL
GA
ID
IL
MI
NJ
NY
OH
OR
TX
VA
WA
View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
