Investment property loans in Florida
Florida is our home state and the market we know block by block. No state income tax, sustained in-migration, and a construction pipeline that never really stops — but also the most insurance-sensitive underwriting in the country. Getting a Florida deal right means pricing wind, flood, and the 12–18 month construction clock honestly up front.
What we watch on Florida deals
- Insurance is the variable that makes or breaks a Florida DSCR file — it moves the ratio more than rate does.
- Doc stamp and intangible tax on the mortgage are real closing-cost line items here, unlike many states.
- Hurricane season affects construction scheduling and draw timing on ground-up projects.
Florida markets we know
We lend across all of Florida. These are the markets where we can talk specifics before you even send the deal.
Orlando
Orlando pairs relentless in-migration with a tourism economy, which is why it supports long-term rentals and short-term strategies at the same time. Investors here compete on speed more than price — inventory that pencils moves in days, so financing that can close fast is worth more than a quarter point.
Tampa
Tampa Bay has been one of the strongest rent-growth metros in the country, and the bungalow stock in the urban core makes it a genuine flip market rather than just a buy-and-hold play. Insurance and flood zone are the underwriting variables that decide whether a Tampa deal actually pencils.
Jacksonville
Jacksonville is the affordability play in Florida: entry prices low enough that the rent-to-price ratio still works, on the largest land area of any city in the lower 48. That combination is why build-to-rent operators and out-of-state buy-and-hold investors keep concentrating here.
Miami
Miami runs on speed and on capital that understands foreign-national and entity borrowers. Price points are high, timelines are short, and a lot of the best deals never hit the MLS — so bridge financing that closes in days is often what wins the property.
Winter Park
Winter Park is our home market — we're headquartered on N Orlando Ave. It's supply-constrained and expensive per foot, which makes it a teardown-and-rebuild and high-end renovation market far more than a cash-flow rental market.
Cape Coral
Cape Coral has more platted vacant lots than almost any city in America, which makes it one of the most active ground-up construction markets in the state. Infill building on an existing lot is the dominant investor strategy here, not acquisition-and-rehab.
Ocala
Ocala pairs an equestrian economy anchored by the World Equestrian Center with an I-75 logistics corridor that has brought national distribution payrolls into a market still priced well below Orlando or Tampa. For investors it is primarily a ground-up market: Marion Oaks and Silver Springs Shores were platted into tens of thousands of individual lots decades ago and never fully built out.
Inverness
Citrus County offers some of the lowest entry prices left in the middle of the state, with demand driven by retirees and buyers priced out of Tampa rather than by speculation. The Suncoast Parkway extension shortened the run to Tampa and changed the math here; Citrus Springs and Beverly Hills carry the same unbuilt platted-lot inventory that makes Marion County a ground-up market.
How we finance Florida deals
DSCR Rental Loans
Qualify on the property's cash flow—no tax returns, no W-2s.
Build-to-Rent Loans
One lender for both phases: construct, then convert to DSCR.
New Construction Loans
Ground-up capital from a lender who's actually built homes.
Fix & Flip Loans
Purchase + rehab capital, funded in days—priced on ARV.
Bridge Loans
Short-term capital to bridge the gap between deals.
Have a Florida deal?
Send it over and an advisor will come back with leverage, pricing, and next steps — usually same day.
Have a deal? Let's get it funded.
Tell us about your project and get a same-day read on terms. No obligation, no impact to your credit to prequalify.