Team Romo Mortgage DSCR Construction Financing
Benefits Land Strategy What We Review Schedule Review
Built for Florida Investors

Florida DSCR One-Time Close Construction Loans

Finance 1–4 unit rental property construction using projected rental income — not tax returns, W-2s, or personal income.

Built for Florida real estate investors who want a smarter way to structure new construction rental projects, including single-family rentals, duplexes, triplexes, and fourplexes.

No tax returns
No W-2s
Projected rental income
One-time close
Fast scenario review
Schedule a Fast Scenario Review See Land Strategy

Fast Review Process

1
Share your project Tell us the state, unit count, land status, budget, and rental strategy.
2
Review projected rent We look at whether the rental income can support the loan structure.
3
Map your next step If the scenario makes sense, we outline the loan path and documentation.
Why Florida Investors Use DSCR Construction

Build rental property without traditional income documentation

DSCR construction financing is designed around rental income and investor cash flow, not the traditional full-doc borrower box.

1040
No Tax Returns No personal tax returns used to qualify in a typical DSCR structure.
W-2
No W-2s Built for investors, self-employed borrowers, and real estate entrepreneurs.
$
Projected Rent The rental income potential of the property drives the review.
1x
One-Time Close Construction-to-permanent financing in one cleaner structure.
Own the Land Already?

Florida land ownership may create construction financing options

If you have owned the land for 6+ months, there may be a way to structure the loan using the current appraised value rather than only your original land cost.

This can potentially reduce the cash needed to start construction, depending on equity, appraisal, loan terms, program guidelines, and final approval.

Land owned 6+ months?

Let’s review whether your equity position may help structure a smarter DSCR one-time close construction loan.

Florida Investor Angle

Built for 1–4 unit rental builds

This is for investors building rental property in Florida markets — from single-family rentals to duplexes, triplexes, and fourplex projects.

We can review long-term rental strategies, short-term rental concepts where allowed, land + construction scenarios, and projects that other lenders may not understand.

What Can Gabe Review?

Send the scenario before you waste time

A fast scenario review can help determine if the project has a real path before you spend more time, money, or energy.

1–4 Units Single-family rentals, duplexes, triplexes, and fourplexes.
4-Plex Builds Investor-focused rental construction scenarios.
Land + Build Land-owned or land-purchase construction scenarios.
Projected Rent Rental income-based qualification review.
Credit Issues We look at the full picture and possible paths.
Denied Elsewhere? Many lenders do not understand DSCR construction.
Work With Experience

Gabe Romo

Gabe Romo is a DSCR Construction Loan Expert helping real estate investors structure complex construction, rental-income, and investor financing scenarios.

If your project is outside the box, start with a fast scenario review before assuming the answer is no.

DSCR Construction Loan Expert
NMLS 199761
1–4 Unit Investor Projects
Fast Scenario Reviews
Florida Investor Focus
Schedule With Gabe

Ready to Review Your Florida DSCR Construction Scenario?

Schedule a fast scenario review with Gabe Romo. We’ll look at your land, unit count, projected rent, construction plan, and next steps.

Schedule a Fast Scenario Review Call 505-235-5078

Gabe Romo | DSCR Construction Loan Expert | NMLS 199761

Novus Home Mortgage is a division of Ixonia Bank, NMLS 423065, Member FDIC, Equal Housing Lender.

This is not a commitment to lend. All loans are subject to credit approval, appraisal, property eligibility, loan program guidelines, investor requirements, construction review, underwriting approval, and applicable state and federal guidelines. Terms, rates, availability, loan amounts, and qualifying requirements are subject to change without notice. Not all borrowers, properties, builders, or construction scenarios will qualify.

DSCR loan approval is based on eligible program requirements and property cash flow/rental income analysis. Projected rents, appraised value, land equity, and refinance treatment are subject to appraisal, documentation, investor guidelines, and underwriting approval. NMLS Consumer Access: nmlsconsumeraccess.org.