DSCR Loans in 46 States - Jennah Hilley, CMA

Q: What is a DSCR loan and how does it work in Florida?

A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies borrowers based on the rental income the property generates, rather than personal income. In Florida, DSCR loans are especially popular for vacation rentals, Airbnb properties, and coastal investment properties in areas like Destin, Fort Walton Beach, Navarre Beach, Cape San Blas, Orlando, and Winter Park.

Q: Can I get a DSCR loan for a vacation rental in Florida or Alabama?

Yes! DSCR loans are ideal for vacation rentals and short-term rental properties in 46 states. Jennah Hilley specializes in financing Gulf Coast vacation properties in Okaloosa, Santa Rosa, and Walton counties, as well as Baldwin County, Gulf Shores, Daphne, and throughout Central Florida including Orlando and Winter Haven.

Q: Does Jennah Hilley work with realtors as a preferred lender?

Absolutely! Jennah Hilley is the preferred lending partner for top-producing realtors across Florida, Alabama, and Tennessee. She provides white-glove service, fast preapprovals, and creative financing solutions that help close deals quickly. Top 10% producing agents trust Jennah to deliver for their investor clients in markets like Destin, Fort Walton Beach, Birmingham, Montgomery, Auburn, Nashville, and beyond.

Q: What areas does Jennah Hilley serve in Alabama?

Jennah Hilley serves all of Alabama including coastal Baldwin County, Gulf Shores, Daphne, Mobile, Birmingham, Gardendale, Morris, Hayden, Athens, Tuscaloosa, Auburn, Montgomery, Fort Payne, and Mentone. She specializes in investment property loans for both coastal vacation rentals and inland investment properties.

Q: What Florida Panhandle and Central Florida areas does Jennah serve?

Jennah Hilley serves the entire Florida Panhandle including Okaloosa County (Destin, Fort Walton Beach), Santa Rosa County (Navarre Beach), Walton County, Eastpoint, and Cape San Blas. In Central Florida, she serves Orlando, Winter Haven, Winter Park, and Alachua County including High Springs.

Q: Who is Jennah Hilley and why do top realtors recommend her?

Jennah 'Sunshine' Hilley is a Certified Mortgage Advisor (CMA) based in Destin, Florida, known as a key person of influence in investment property financing. Licensed in Florida, Alabama, and Tennessee, she's the go-to lender for top-producing realtors who need a reliable partner for investor clients. Backed by a team of 36 professionals at HomeFi Corp, she delivers fast preapprovals and creative solutions that close deals.

Q: Does Jennah Hilley help first-time homebuyers in Florida and Alabama?

Yes! Jennah Hilley offers comprehensive first-time homebuyer programs including FHA loans (3.5% down), VA loans (0% down for eligible veterans), conventional loans (starting at 3% down), and down payment assistance programs. She provides patient, step-by-step guidance through the entire home buying process for buyers in Florida and Alabama.

Q: What down payment assistance programs are available in Florida?

Florida offers several down payment assistance programs for first-time homebuyers. Jennah Hilley can help you navigate options including FHA loans with as little as 3.5% down, state and local grant programs, and conventional loans starting at 3% down. Contact Jennah at 850-816-8711 to explore which programs you qualify for.

Jennah Hilley

Jennah Hilley, CMA

DSCR, investor, and home loans in Florida, Alabama, and Tennessee

4008 Legendary Dr. Ste. 300, Destin, FL 32541

(850) 816-8711 · jhilley@homefi.us

HomeFi Corp, NMLS #1804455 · NMLS #2424860

Open 24 hours, 7 days a week (Central Time)

Credentials

Serving mortgage clients since 2022

Memberships and licenses: NMLS, AIME, Florida Licensed Loan Officer, Alabama Licensed Loan Officer, Tennessee Licensed Loan Officer, Emerald Coast Association of Realtors (affiliate)

5.0-star rating from 25 verified client reviews on Experience.com. Net Promoter Score 100.

What Clients Say

5.0 / 5 · 25 reviews on Experience.com

Lucas S

5 out of 5 stars

October 5, 2026

Jennah is not just a broker she is a friend. She treats you like family during your experience working with her! I would recommend her 1000%.

Tamie D

5 out of 5 stars

July 16, 2026

Super knowledgeable, helpful, thoughtful, and an overall amazing person to have on your side! She made buying our home easy and enjoyable every step of the way.

Giovanni D

5 out of 5 stars

July 16, 2026

Jennah helped us through the entire process and even got on video calls on off hours to answer questions we had. She made it a seamless process.

Barbara N

5 out of 5 stars

May 21, 2026

Jennah is patient and very professional. She updated us on every step of the process. Highly recommend Jennah!

Craig N

5 out of 5 stars

May 21, 2026

Jennah made the process quick and easy. She is very industry knowledgeable, incredibly resourceful, and an absolute pleasure to work with.

Credenciales

Atendiendo a clientes hipotecarios desde 2022

Membresías y licencias: NMLS, AIME, Oficial de préstamos con licencia en Florida, Oficial de préstamos con licencia en Alabama, Oficial de préstamos con licencia en Tennessee, Emerald Coast Association of Realtors (afiliada)

Calificación de 5.0 estrellas de 25 reseñas de clientes verificados en Experience.com. Índice de recomendación neta: 100.

Abierto las 24 horas, los 7 días de la semana (hora central)

Lo que dicen los clientes

Lucas S

5 de 5 estrellas

5 de octubre de 2026

Jennah no es solo una corredora, es una amiga. ¡Te trata como familia durante tu experiencia trabajando con ella! La recomendaría al 1000%.

Tamie D

5 de 5 estrellas

16 de julio de 2026

¡Muy informada, servicial, atenta y, en general, una persona increíble para tener de tu lado! Hizo que comprar nuestra casa fuera fácil y agradable en cada paso.

Giovanni D

5 de 5 estrellas

16 de julio de 2026

Jennah nos ayudó durante todo el proceso e incluso hizo videollamadas fuera de horario para responder nuestras preguntas. Hizo que el proceso fuera sencillo.

Barbara N

5 de 5 estrellas

21 de mayo de 2026

Jennah es paciente y muy profesional. Nos mantuvo informados en cada paso del proceso. ¡Recomiendo mucho a Jennah!

Craig N

5 de 5 estrellas

21 de mayo de 2026

Jennah hizo que el proceso fuera rápido y fácil. Conoce muy bien el sector, es increíblemente resolutiva y trabajar con ella es un verdadero placer.

HomeFi Corp is a licensed mortgage broker, not a direct lender. All loans are subject to credit approval. Equal Housing Opportunity.

HomeFi Corp es un corredor hipotecario con licencia, no un prestamista directo. Todos los préstamos están sujetos a aprobación de crédito. Igualdad de oportunidades de vivienda.