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Bridge Loans for Investors in Florida

What Florida investors should know, with county data and city pages.

Across Florida, investors use bridge loans to move on a property without waiting for a sale or for a long-term loan to come together. The bridge is secured by investment property and repaid through a sale or refinance, often a DSCR refinance after lease-up. Browse the city pages below for local data, then ask a licensed loan officer about costs, lien position, prepayment charges and how the payoff will work.

Questions about bridge loans for investors in Florida?

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Florida transfer taxes: Documentary stamp tax. Applies to deeds and other documents that transfer an interest in Florida real property, as well as notes and recorded mortgages; it is normally paid to the county clerk or recording official when the document is recorded. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in Florida

Counties with the most investor loans with balloon or non-amortizing terms (2024):

CountyInvestor loans with balloon or non-amortizing terms (2024)
Pinellas County603
Lee County510
Miami-Dade County490
Duval County456
Hillsborough County438
Broward County389
Orange County319
Palm Beach County298
Brevard County249
Polk County212
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Bridge Loans for Investors by city in Florida

Common questions

What does bridge to DSCR mean?

Bridge to DSCR describes using a short-term bridge loan to buy or stabilize a rental and then refinancing into a DSCR loan once it is leased. The DSCR loan qualifies the property on its rent compared with the monthly housing payment. Ask about the DSCR lender's standards early so your bridge loan is set up for that refinance.

Can a bridge loan use equity from another property I own?

Some lenders will place a lien on a property you already own, or on more than one property, to secure a bridge loan. That can reduce the cash you need but puts more than one property at risk if the exit fails. Ask how each property would be released from the lien when you sell or refinance.

How is a bridge loan different from hard money?

They overlap. Many bridge loans come from the same kinds of lenders that offer hard money. The difference is mostly purpose: a bridge loan focuses on timing, such as buying before selling or holding until a refinance, while hard money often funds heavier renovations. Compare costs, terms and exits rather than the label on the loan.

Other investor loans in Florida

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Bridge Loans for Investors overview · Florida investor loan overview

  • 2024 HMDA data
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