Investment property loans in Florida — from long-term rentals to vacation properties.
DSCR, conventional investor, and multi-family financing across Florida's most active investor markets.
Why Florida investors work with us
- DSCR loans — qualify on the property's rental income, not your tax returns
- Short-term rental income accepted (Airbnb / VRBO) via AirDNA or actual STR history
- LLC vesting available (single-member and multi-member)
- Conventional investor loans (Fannie / Freddie) for 1–4 unit properties
- Multi-family and portfolio programs for scaling investors
- Active in every Florida investor market — long-term and vacation rental
Florida's strongest investor markets
Short-term rental
Orlando (Disney corridor), Destin/30A, Panama City Beach, Key West/Marathon, Miami Beach, Tampa/St. Pete, Daytona Beach, Anna Maria Island, Fort Myers Beach
Long-term rental
Jacksonville, Tampa, Orlando, Fort Lauderdale, Cape Coral, Port St. Lucie, Ocala, Gainesville
Multi-family
Miami, Tampa, Jacksonville, Orlando, Fort Lauderdale
Florida investor loan FAQs
Can I use a DSCR loan for an Airbnb property in Florida?+
Yes — Florida is one of the most active STR DSCR markets in the country. Many investors use AirDNA projections or actual booking history to support the DSCR calculation.
Does my LLC need to be a Florida LLC to buy a FL rental?+
Not necessarily — many DSCR investors accept out-of-state LLCs for Florida properties. We identify the right investor based on your entity structure.
What's the minimum down payment on a Florida investment property?+
Conventional investor loans typically require 15–25% down. DSCR loans usually require 20–25% down. Multi-family (2–4 unit) programs vary by owner-occupancy.
How is DSCR calculated?+
DSCR = Gross Monthly Rent ÷ PITIA. Most DSCR programs require a minimum ratio of 1.0–1.25. We check DSCR at intake using the Form 1007 comparable rent schedule.
Scale your Florida rental portfolio
DSCR pricing in one business day — no tax returns required.