{"id":6145,"date":"2026-08-27T15:31:44","date_gmt":"2026-08-27T19:31:44","guid":{"rendered":"https:\/\/miamilendingadvisors.com\/es\/?p=6145"},"modified":"2026-08-27T15:31:46","modified_gmt":"2026-08-27T19:31:46","slug":"prestamos-dscr-miami-la-alternativa-para-inversionistas","status":"publish","type":"post","link":"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/","title":{"rendered":"Pr\u00e9stamos DSCR Miami, la alternativa para inversionistas inmobiliarios"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Los <a href=\"https:\/\/miamilendingadvisors.com\/es\/producto\/prestamo-dscr-miami\/\" data-type=\"product\" data-id=\"6149\">pr\u00e9stamos DSCR<\/a> Miami permiten calificar para financiar una propiedad de inversi\u00f3n usando el ingreso por renta del propio inmueble, no el salario o las declaraciones de impuestos personales. Es una de las herramientas favoritas de inversionistas, trabajadores independientes y compradores extranjeros, pues no requiere mostrar ingresos personales de la forma tradicional.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFQue_son_los_prestamos_DSCR_Miami_y_como_funciona\" >\u00bfQu\u00e9 son los pr\u00e9stamos DSCR Miami y c\u00f3mo funciona?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFPara_quien_es_ideal_un_prestamo_DSCR_en_Miami\" >\u00bfPara qui\u00e9n es ideal un pr\u00e9stamo DSCR en Miami?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFComo_se_calcula_el_DSCR\" >\u00bfC\u00f3mo se calcula el DSCR?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#Ventajas_de_un_prestamo_DSCR_frente_a_un_prestamo_convencional\" >Ventajas de un pr\u00e9stamo DSCR frente a un pr\u00e9stamo convencional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFQue_documentos_se_necesitan_generalmente\" >\u00bfQu\u00e9 documentos se necesitan generalmente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#Hablemos_de_su_proxima_inversion\" >Hablemos de su pr\u00f3xima inversi\u00f3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#Si_estas_evaluando_una_compra_en_Miami_este_es_el_momento_de_hablar\" >Si est\u00e1s evaluando una compra en Miami, este es el momento de hablar.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#Preguntas_Frecuentes\" >Preguntas Frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFNecesito_declarar_mis_impuestos_personales_para_un_prestamo_DSCR\" >\u00bfNecesito declarar mis impuestos personales para un pr\u00e9stamo DSCR?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFPuedo_usar_un_prestamo_DSCR_si_soy_inversionista_extranjero\" >\u00bfPuedo usar un pr\u00e9stamo DSCR si soy inversionista extranjero?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFQue_pasa_si_la_propiedad_todavia_no_genera_renta_esta_vacia_o_en_renovacion\" >\u00bfQu\u00e9 pasa si la propiedad todav\u00eda no genera renta (est\u00e1 vac\u00eda o en renovaci\u00f3n)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFLos_prestamos_DSCR_se_pueden_usar_para_Airbnb_o_alquiler_de_corta_duracion\" >\u00bfLos pr\u00e9stamos DSCR se pueden usar para Airbnb o alquiler de corta duraci\u00f3n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/#%C2%BFCuanto_tiempo_toma_cerrar_un_prestamo_DSCR_en_Miami\" >\u00bfCu\u00e1nto tiempo toma cerrar un pr\u00e9stamo DSCR en Miami?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_son_los_prestamos_DSCR_Miami_y_como_funciona\"><\/span>\u00bfQu\u00e9 son los pr\u00e9stamos DSCR Miami y c\u00f3mo funciona?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">DSCR significa <em>Debt Service Coverage Ratio<\/em>, o <a href=\"https:\/\/www.financlick.es\/glosario-financiero\/ratio_de_cobertura_del_servicio_a_la_deuda_dscr-g-293\" target=\"_blank\" rel=\"noopener\">relaci\u00f3n de cobertura de deuda<\/a>. En lugar de analizar cu\u00e1nto gana usted como persona, el banco analiza cu\u00e1nto genera la propiedad en renta frente a lo que costar\u00eda la hipoteca cada mes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si la propiedad genera suficiente renta para cubrir el pago del pr\u00e9stamo, usted puede calificar \u2014 incluso si no tiene un empleo tradicional, si es due\u00f1o de negocio, o si vive fuera de Estados Unidos.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"480\" height=\"320\" src=\"https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2026\/08\/Prestamos-DSCR-en-Miami-la-alternativa-para-inversionistas-inmobiliarios.png\" alt=\"\" class=\"wp-image-6195\" style=\"aspect-ratio:1.5000732457639534;width:628px;height:auto\" srcset=\"https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2026\/08\/Prestamos-DSCR-en-Miami-la-alternativa-para-inversionistas-inmobiliarios.png 480w, https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2026\/08\/Prestamos-DSCR-en-Miami-la-alternativa-para-inversionistas-inmobiliarios-300x200.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPara_quien_es_ideal_un_prestamo_DSCR_en_Miami\"><\/span>\u00bfPara qui\u00e9n es ideal un pr\u00e9stamo DSCR en Miami?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Este programa suele ser la mejor opci\u00f3n para:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inversionistas<\/strong> que ya compraron una o varias propiedades y no quieren que cada nueva compra dependa de su ingreso personal.<\/li>\n\n\n\n<li><strong>Trabajadores independientes y due\u00f1os de negocio<\/strong>, cuyas declaraciones de impuestos no siempre reflejan su verdadera capacidad de pago.<\/li>\n\n\n\n<li><strong>Compradores extranjeros e inversionistas internacionales<\/strong>, que muchas veces no tienen historial de cr\u00e9dito ni ingresos en Estados Unidos.<\/li>\n\n\n\n<li>Cualquier persona comprando una propiedad <strong>a nombre de una LLC<\/strong> o estructura corporativa, en lugar de a su nombre personal.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_calcula_el_DSCR\"><\/span>\u00bfC\u00f3mo se calcula el DSCR?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La f\u00f3rmula es sencilla: se divide el ingreso de renta de la propiedad entre el pago mensual de la deuda (capital, inter\u00e9s, impuestos, seguro y, si aplica, cuota de la asociaci\u00f3n). El resultado le dice qu\u00e9 tan c\u00f3modamente la propiedad cubre su propia hipoteca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada perfil de inversionista y cada propiedad son distintos, as\u00ed que el n\u00famero exacto que usted necesita depende de su caso. En una corta llamada podemos calcularlo juntos antes de que se tome una decisi\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_un_prestamo_DSCR_frente_a_un_prestamo_convencional\"><\/span>Ventajas de un pr\u00e9stamo DSCR frente a un pr\u00e9stamo convencional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No requiere declaraciones de impuestos personales ni verificaci\u00f3n de ingreso W-2.<\/li>\n\n\n\n<li>El proceso de aprobaci\u00f3n suele ser m\u00e1s r\u00e1pido y con menos documentos.<\/li>\n\n\n\n<li>Permite escalar un portafolio de propiedades sin que cada compra dependa de su ingreso personal.<\/li>\n\n\n\n<li>Es una opci\u00f3n real para extranjeros e inversionistas sin historial de cr\u00e9dito en EE. UU.<\/li>\n\n\n\n<li>Puede usarse para propiedades de alquiler tradicional, de corta duraci\u00f3n (short-term rental) y, en muchos casos, condo-hoteles.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_documentos_se_necesitan_generalmente\"><\/span>\u00bfQu\u00e9 documentos se necesitan generalmente?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En t\u00e9rminos generales, para un pr\u00e9stamo DSCR se suele solicitar:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Informaci\u00f3n de la propiedad (o del contrato de compra, si es una compra nueva).<\/li>\n\n\n\n<li>Un estimado de renta del mercado, o el contrato de arrendamiento si ya est\u00e1 rentada.<\/li>\n\n\n\n<li>Estados de cuenta bancarios para verificar fondos y reservas.<\/li>\n\n\n\n<li>Reporte de cr\u00e9dito, si aplica \u2014 y si no aplica, existen alternativas para inversionistas extranjeros.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">No se necesitan formularios W-2, recibos de n\u00f3mina ni declaraciones de impuestos personales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hablemos_de_su_proxima_inversion\"><\/span>Hablemos de su pr\u00f3xima inversi\u00f3n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cada portafolio y cada inversionista son distintos. Conversemos sobre su propiedad y calculemos juntos si un pr\u00e9stamo DSCR es la mejor herramienta para su pr\u00f3xima compra en Miami.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"gb-container gb-container-0b216401\">\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-accent-color\">Descarga<\/mark> <\/strong><\/em>nuestros Casos de Estudio<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-accent-color\"><b style=\"font-style: italic;\">\u00a1El pr\u00f3ximo puede ser el tuyo!<\/b><\/mark><\/p>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-86cd089a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-33ccc8b1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<a class=\"gb-button gb-button-a8a4badd\" href=\"https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2024\/06\/Case-Study-Foreign-National.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"gb-button-text\">Download Case Study \u2013 Foreign National<\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-7b9a8042 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<a class=\"gb-button gb-button-af54bff5\" href=\"https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2024\/06\/Case-Study-Condotel.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"gb-button-text\">Download Case Study \u2013 Condotel&nbsp;<\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-vertical is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-7b9a8042 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<a class=\"gb-button gb-button-791ff506\" href=\"https:\/\/miamilendingadvisors.com\/es\/wp-content\/uploads\/2024\/06\/Case-Study-Jumbo-Condo-.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"gb-button-text\">Download Case Study \u2013 Jumbo Loan&nbsp;<\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><span class=\"ez-toc-section\" id=\"Si_estas_evaluando_una_compra_en_Miami_este_es_el_momento_de_hablar\"><\/span>Si est\u00e1s evaluando una compra en Miami, este es el momento de hablar.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<style id=\"wpforms-css-vars-5991-block-26c477f2-cf25-4d24-b834-5c85cd9a651e\">\n\t\t\t\t#wpforms-5991.wpforms-block-26c477f2-cf25-4d24-b834-5c85cd9a651e {\n\t\t\t\t--wpforms-label-color: rgba(0, 0, 0, 0.85);\n--wpforms-label-sublabel-color: rgba(0, 0, 0, 0.55);\n--wpforms-field-border-color: rgba(0, 0, 0, 0.25);\n--wpforms-field-border-color-spare: rgba(0, 0, 0, 0.25);\n--wpforms-field-text-color: rgba(0, 0, 0, 0.7);\n--wpforms-button-background-color: #002577;\n--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 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class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Cargando\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_Frecuentes\"><\/span>Preguntas Frecuentes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1787774626836\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%C2%BFNecesito_declarar_mis_impuestos_personales_para_un_prestamo_DSCR\"><\/span><strong>\u00bfNecesito declarar mis impuestos personales para un pr\u00e9stamo DSCR?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. La calificaci\u00f3n se basa en el ingreso de renta que genera la propiedad, no en su ingreso personal ni en sus declaraciones de impuestos. Por eso este programa es tan popular entre due\u00f1os de negocio e inversionistas.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1787774652898\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_usar_un_prestamo_DSCR_si_soy_inversionista_extranjero\"><\/span><strong> \u00bfPuedo usar un pr\u00e9stamo DSCR si soy inversionista extranjero?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>S\u00ed. Es una de las rutas m\u00e1s directas para inversionistas internacionales, porque no depende de historial de cr\u00e9dito ni de ingresos en Estados Unidos. Los requisitos espec\u00edficos var\u00edan seg\u00fan su pa\u00eds de origen y su perfil, as\u00ed que lo mejor es revisarlo caso por caso.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1787774679665\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_la_propiedad_todavia_no_genera_renta_esta_vacia_o_en_renovacion\"><\/span><strong>\u00bfQu\u00e9 pasa si la propiedad todav\u00eda no genera renta (est\u00e1 vac\u00eda o en renovaci\u00f3n)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Existen formas de calcular un DSCR proyectado usando el estimado de renta de mercado, incluso si la propiedad a\u00fan no est\u00e1 rentada. Hable con su asesor hipotecario para entender c\u00f3mo aplicar\u00eda a su situaci\u00f3n espec\u00edfica.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1787774703416\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%C2%BFLos_prestamos_DSCR_se_pueden_usar_para_Airbnb_o_alquiler_de_corta_duracion\"><\/span><strong>\u00bfLos pr\u00e9stamos DSCR se pueden usar para Airbnb o alquiler de corta duraci\u00f3n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>En muchos casos s\u00ed, incluyendo condo-hoteles y unidades de alquiler de corta duraci\u00f3n, aunque el an\u00e1lisis de renta puede calcularse de forma distinta a un alquiler tradicional de largo plazo.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1787774713812\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_tiempo_toma_cerrar_un_prestamo_DSCR_en_Miami\"><\/span><strong>\u00bfCu\u00e1nto tiempo toma cerrar un pr\u00e9stamo DSCR en Miami?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cuando el proceso est\u00e1 bien organizado desde el inicio \u2014 documentos completos, tasaci\u00f3n a tiempo y buena comunicaci\u00f3n entre las partes \u2014 un cierre puede tomar un tiempo similar al de una hipoteca convencional. Los retrasos m\u00e1s comunes ocurren cuando falta documentaci\u00f3n o cuando la asociaci\u00f3n del condominio tarda en responder.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Miami Lending Advisors LLC opera bajo licencia de corredor hipotecario de la <a href=\"https:\/\/flofr.gov\/\" target=\"_blank\" rel=\"noopener\">Oficina de Regulaci\u00f3n Financiera de Florida<\/a> (License # MBR6170) y puede verificarse directamente en <a href=\"https:\/\/www.nmlsconsumeraccess.org\/\" target=\"_blank\" rel=\"noopener\">NMLS Consumer Access<\/a> (NMLS ID #2467822).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los pr\u00e9stamos DSCR Miami permiten calificar para financiar una propiedad de inversi\u00f3n usando el ingreso por renta del propio inmueble, no el salario o las declaraciones de impuestos personales. Es una de las herramientas favoritas de inversionistas, trabajadores independientes y compradores extranjeros, pues no requiere mostrar ingresos personales de la forma tradicional. \u00bfQu\u00e9 son los &#8230; <a title=\"Pr\u00e9stamos DSCR Miami, la alternativa para inversionistas inmobiliarios\" class=\"read-more\" href=\"https:\/\/miamilendingadvisors.com\/es\/prestamos-dscr-miami-la-alternativa-para-inversionistas\/\" aria-label=\"Read more about Pr\u00e9stamos DSCR Miami, la alternativa para inversionistas inmobiliarios\">Read more<\/a><\/p>\n","protected":false},"author":6,"featured_media":6194,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,45,54,57],"tags":[],"class_list":["post-6145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-centro-de-aprendizaje-hipotecario","category-creditos-hipotecarios","category-inversion-inmobiliaria","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"_links":{"self":[{"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/posts\/6145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/comments?post=6145"}],"version-history":[{"count":4,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/posts\/6145\/revisions"}],"predecessor-version":[{"id":6196,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/posts\/6145\/revisions\/6196"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/media\/6194"}],"wp:attachment":[{"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/media?parent=6145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/categories?post=6145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miamilendingadvisors.com\/es\/wp-json\/wp\/v2\/tags?post=6145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}