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Investment Property Loans in Florida

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

Investors buying rentals in Florida usually choose among conventional investment loans, DSCR loans, portfolio loans and short-term hard money. Each one treats income, rent, property condition and LLC ownership differently, so the right fit depends on your paperwork and your plan. Start by deciding honestly how you will use the home, then gather your tax returns and leases so a licensed loan officer can show you which options you may qualify for in Florida.

Questions about investment property loans in Florida?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Florida landlord-tenant law: Florida Statutes Chapter 83, Part II. Part II of Chapter 83 is Florida's residential landlord-tenant law, covering rent, deposits, landlord maintenance duties, access, and termination. Leases you show a lender should follow it.

Where the numbers point in Florida

Counties with the most loans on investment properties (2024):

CountyLoans on investment properties (2024)
Miami-Dade County5,583
Broward County3,378
Orange County2,637
Palm Beach County2,549
Lee County2,482
Hillsborough County2,186
Pinellas County2,158
Osceola County2,136
Duval County2,126
Polk County1,927
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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.

Investment Property Loans by city in Florida

Common questions

Can I buy a rental in an LLC?

Many DSCR, portfolio and hard money lenders lend to LLCs, often with a personal guaranty. Conventional agency loans generally expect an individual borrower. Loans made to an LLC for rental property are usually business-purpose loans with different rules and disclosures, so ask which apply. Talk to a tax professional or attorney about whether an LLC suits you.

Is a conventional loan or a DSCR loan more common for a rental in Florida?

Both are widely used. A conventional investment loan follows agency rules and qualifies you on your full income, so it often suits borrowers whose tax returns are strong. A DSCR loan qualifies mainly on the property's rent, which often suits self-employed investors and LLC buyers. Pricing and terms vary, so compare written offers for both.

How do I compare offers on a rental in Florida?

Ask every lender for a Loan Estimate or written term sheet for the same property and the same down payment. Compare the rate type, lender fees, any prepayment penalty, reserve requirements and how rent is counted. Check each lender's and loan officer's license on NMLS Consumer Access. Offers are subject to credit approval.

Other investor loans in Florida

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

Related guides

Investment Property Loans overview · Florida investor loan overview

  • 2024 HMDA data
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