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Your rate didn’t change, but your payment did. Here’s how Florida’s property tax reset and insurance renewals create escrow shortages, what the servicer’s letter actually means, and seven things that can bring the payment back down — most of them free.

The 2026 DSCR requirements every lender lists — and the thing none of them tell you: at today’s rates, a Brevard single-family rental usually needs 30–40% down to hit a 1.0 ratio, while a duplex gets there at 25%. Three worked examples with real local rents.

The per-guest fees, occupancy caps, and seven-night minimums that aren’t in the Airbnb listing — and exactly how each one changes whether a DSCR lender will finance your Space Coast rental. With a worked example.

Rates just hit their highest point since 2023 — but the headline number isn’t your number. Here’s what 7.40% adds to a Brevard payment, why your actual rate can be higher or lower, and whether it’s worth waiting.

A loan officer’s breakdown of the November 3 ballot measure — what the bigger homestead exemption and the 5% non-homestead cap would do to a Brevard tax bill, with the month-by-month math for homebuyers, PCS movers, and rental investors.