Where We Lend · Florida

Investment Property Loans in Florida

Florida is one of the most active investor markets in the country — Miami-Dade, Tampa Bay, and the Orlando corridor each have distinct rent, insurance, and STR dynamics. We underwrite post-Surfside condo assessments, real insurance quotes, and AirDNA-verified STR revenue.

Submit a Florida Scenario Call (917) 993-9194

Florida markets we cover

Miami

Miami-Dade County

Typical investor price: $450K – $1.8M

Rent band: $2,400 – $5,800 per unit

Submarkets: Brickell, Miami Beach, Little Havana, Liberty City, Aventura

Tampa

Hillsborough County

Typical investor price: $280K – $650K

Rent band: $1,600 – $2,800 per unit

Submarkets: Seminole Heights, Ybor City, West Tampa, East Tampa, Riverview

Orlando

Orange County

Typical investor price: $300K – $680K

Rent band: $1,800 – $4,200 per unit (STR avg higher)

Submarkets: Davenport, Kissimmee, Windermere, East Orlando, Apopka

Loan programs available across Florida

DSCR Rental Loans

30-year fixed. No personal DTI. Closes on property cash flow.

Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days

Miami →Tampa →Orlando →

Fix & Flip Loans

Up to 90% LTC. 75% ARV. 12-month terms.

Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days

Miami →Tampa →Orlando →

Short-Term Rental (STR) Loans

Underwritten on AirDNA revenue, not LTR shadow rents.

Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days

Miami →Tampa →Orlando →

Multifamily Bridge & Permanent

5+ unit properties. Bridge, value-add, and long-term.

Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 75% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days

Miami →Tampa →Orlando →

Bridge Loans

Fast, flexible capital for time-sensitive acquisitions.

Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days

Miami →Tampa →Orlando →

Ground-Up Construction Loans

Fund the build. Refinance into a DSCR on stabilization.

Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days

Miami →Tampa →Orlando →

Ready to close your Florida deal?

Submit a scenario. Real term sheet within 24 hours.

Submit Scenario Call (917) 993-9194