Florida
Hard money and investor loans in Florida
Fix and flip, construction, bridge and rental loans for investors in Miami, Fort Lauderdale, West Palm Beach, Tampa, Orlando, Jacksonville and across Florida.
- DSCR rentals qualified on rent
- Flips and new builds for experienced investors
- $50K to $3M, closed in your LLC
Got it. Thank you.
We’ll review your deal and call you back. If it’s urgent, call 310-654-1577.
Programs available in Florida
Five programs are available in Florida. Fix and flip, construction and bridge loans here are for investors with three or more completed projects; rental loans have no experience requirement.
| Program | What it does | Maximum |
|---|---|---|
| DSCR rental | Keep one rental | 80% LTV |
| Rental portfolio | 2–10 rentals in one loan | 80% LTV |
| Fix and flip | Buy and renovate | Up to 85% of price + 100% of rehab |
| Ground-up construction | Build new homes | 75% of land + 100% of construction |
| Bridge | Hold a finished property | 65% of value |
Where we lend in Florida
Miami-Dade, Broward and Palm Beach counties, Tampa Bay, Orlando, Jacksonville and other cities and suburbs across the state. Lee, Charlotte, Sarasota and Collier counties are outside these programs, and Florida condos are not eligible for fix and flip loans.
We work with Florida investors by phone, email and video, and closings happen with a title company near the property.
How Florida investors use these loans
Florida draws investors who want to hold rentals. A DSCR loan qualifies a single rental on its rent with no tax returns, foreign nationals included at up to 65% LTV, and a portfolio loan puts 2 to 10 rentals under one 30-year payment.
Experienced flippers and builders use our short-term loans to renovate or build, then sell or refinance into a rental loan. Leverage in Florida is a little lower than in other states, and we show you the exact numbers for your county up front.
Florida investor loan questions
Do you offer DSCR loans in Florida?
Yes, from $75K to $2M, up to 80% LTV, qualified on the rent.
Can foreign nationals get a Florida rental loan?
Yes, up to 65% LTV with 12 months of payments in reserve.
Can I get a DSCR loan for a short-term rental (Airbnb) in Florida?
Not with this program. DSCR loans here are for long-term rentals on leases of 12 months or more; vacation and seasonal rentals don't qualify. For a short-term rental, see Florida DSCR loans at West Coast Capital Mortgage.
Do you offer fix and flip loans in Florida?
Yes, for investors with three or more completed projects in the last three years and 680+ credit.
Do I need to live in Florida?
Not for rental loans, and foreign nationals qualify too. Fix and flip and bridge loans in Florida need 3+ completed projects; construction needs a completed build and 700+ credit. The loan closes in your LLC.
Have a Florida deal?
Send the address, price and rent or budget. You’ll hear which program fits and how much leverage to expect.