Do you finance vacation rentals in Florida?

Yes, we finance vacation rentals throughout Florida including popular markets like the Keys, Gulf Coast, and Orlando area. Our programs work for both short-term rental conversions and existing Airbnb properties with competitive terms.

Can foreign nationals get investment property loans in Florida?

Absolutely. Florida is one of our most active states for international investors. We offer specialized programs for non-US citizens with competitive rates and minimal documentation requirements.

How do Florida condo association restrictions affect financing?

We evaluate condo financing on a case-by-case basis. While we can work with many condos, warrantable status and rental restrictions matter. Properties with excessive investor concentration or litigation may not qualify. We review association documents to ensure the property meets investor lending guidelines.

Do you finance properties in hurricane-prone coastal areas of Florida?

Yes, we finance coastal properties throughout Florida including Gulf Coast and Atlantic markets. Insurance requirements are stricter in hurricane zones, and we require wind/flood coverage that meets current standards. Properties must have acceptable windstorm mitigation features or updated roofing to qualify.

Florida waterfront investment properties with high-rise condos and Miami area skyline

Florida Investment Property Loans

We finance rental, mixed-use, and commercial properties across Florida. NO DSCR required, no income docs, no credit score minimums. Same-day approvals.

Up to 90% CLTV (seller carry allowed)

Same-day term sheet, 13-day closings

We lend on 1-20 unit, mixed-use, and vacation rentals

NO DSCR required on residential or small commercial

All credit scores accepted - terms adjust by risk

Have a deal in mind? You bring the deal - we'll tell you if it fits.

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

340+ Florida deals closed since 2001

Loans Closed

0 yrs

Track Record

0 days

Avg. Close

Max CLTV

Member & Affiliated American Association of Private Lenders

Florida Association of Mortgage Professionals

Florida-focused asset lending since 2001. We know this market.

Florida Investment Property Financing

Here Is What Your Loan Looks Like

Florida investors close faster because we already know this market.

30-Year Fixed & Bridge Options

Rental & Bridge Loans

1-5 Unit Residential Properties

NO DSCR required or income verification

No tax returns required

Close in 8–13 business days

Loan amounts: $100K – $5M

Up to 90% CLTV (purchase) | 70% LTV (cash-out)

30-year fixed & bridge options available

Property Types

Single-family homes, duplexes, triplexes, fourplexes, small multifamily

Flexible Commercial Terms

Commercial & Mixed-Use

1-5 Unit Properties

Mixed-use buildings with residential units

Retail, office, industrial properties

NO DSCR required on qualifying properties

Loan amounts: $100K – $5M

70% LTV (cash-out) | 90% CLTV (purchase)

13-day closings

Flexible deal terms

Property Types

Mixed-use buildings, retail spaces, office buildings, industrial properties

Simple Documentation

Required Documents

Purchase contract or current mortgage statement

Photo ID

Corporate docs (if held in entity)

Property insurance (at closing)

That's it. No Tax Returns, No Bank Statements, No Employment Verification

Seller Carry Allowed: Up to 90% CLTVBring 10% down. Seller carries a second. Most lenders won't touch this.

You've Probably Been Through This Before

Boxes to check. Ratios to hit. And somewhere along the way, the deal just... stalls.

What You've Probably Heard

"Your DSCR doesn't qualify"
"You need windstorm insurance sorted first"
"Send us two years of tax returns"
"Florida condos are too risky for us"
"We'll get back to you in a few weeks"

How We Look at It

We start with the property itself
Credit history doesn't disqualify you
No tax returns or bank statements needed
You'll hear back within an hour
We understand Florida's insurance and windstorm requirements
A clear answer, either way

Ready to skip the runaround? Send us your Florida deal.

Recently Closed in Florida

Recently closed investment property in Orlando, FL

Orlando, FL – Investment Property Purchase

$427,000

Purchase Price

$320,000

Loan Amount

11 days

Closed in

620

Credit Score

Vacation rental property

LLC-owned, no personal guarantee

Funded directly, no broker involved

📝 Want to see what your loan would look like? Get a same-day term sheet tailored to your Florida property.

Frequently Asked Questions - Florida Investment Property Loans

Have more questions about Florida investment property financing?

Cities We Serve in Florida

Explore city-specific lending information and local market insights for top investment markets across Florida.

Miami Investment Property Loans

Florida

Fort Lauderdale Investment Property Loans

Florida

West Palm Beach Investment Property Loans

Florida

Tampa Investment Property Loans

Florida

Orlando Investment Property Loans

Florida

Jacksonville Investment Property Loans

Florida

Don't see your city? We lend throughout Florida.Contact us to discuss your specific market.

Loan Programs for Florida Investors

Choose the program that matches the property and financing need.

Rental Property Loans

Purchase or refinance eligible non-owner-occupied 1–4 unit rental properties.

View loan program →

Bridge Loans

Short-term financing for purchases, refinances, and maturing investment-property debt.

View loan program →

Multifamily Loans

Purchase or refinance eligible apartment properties with five or more units.

View loan program →

Commercial Property Loans

Financing for eligible office, retail, mixed-use, industrial, and warehouse properties.

View loan program →

Ready to Finance Your Florida Property?

Whether you are purchasing or refinancing, we will give you a clear answer fast. No runaround, no paperwork overload. Just investor-focused financing that works.

Specialized financing solutions for Florida real estate investors seeking fast, flexible funding options. Expert Florida market knowledge since 2001.

🏠 Florida Rental Loans →🌉 Florida Bridge Loans →🏢 Florida Commercial Loans →🌍 Foreign National Florida Loans →

Serving Florida investors in: Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Stuart, Port St. Lucie, Vero Beach, Melbourne, Daytona Beach, Orlando, Kissimmee, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Naples, Bonita Springs, Marco Island, Jacksonville, St. Augustine, Gainesville, Ocala, Tallahassee, Panama City, Pensacola, Lakeland, Winter Haven, Palm Bay, Homestead, Key West, Doral, Hialeah, Pembroke Pines, Miramar, Hollywood, Coral Springs, Plantation, Sunrise, Pompano Beach, Aventura, Sunny Isles Beach, Miami Beach, Coconut Creek, Weston

Specialized Florida markets: Florida vacation rental loans | Miami Beach investment property financing | Orlando theme park area rentals | Tampa Bay commercial property loans | Keys short-term rental financing

Note: Loan terms, rates, and availability subject to underwriting approval and may vary by Florida location.