DSCR & Investment Property Loans in Florida

Lenders made 45,167 loans on investment properties across the Florida counties in our data in 2024, 30,861 of them purchases, plus 17,688 loans on second homes. This page covers the Florida rules investors ask about, every loan type by state and city pages for 471 cities and towns.

Buying or refinancing a rental in Florida?

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Florida rules and records for investors

Mortgage licensing: Florida Office of Financial Regulation
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.
Vacation rental licensing: Vacation Rental license. Florida treats a condo unit or a single-family to four-family dwelling rented as a transient public lodging establishment as a vacation rental, which must be licensed by DBPR's Division of Hotels and Restaurants; licenses renew annually under s. 509.241, F.S.
Short-term rental tax registration: Florida sales and use tax on transient rentals. Rentals of accommodations for six months or less are subject to state sales tax and any county transient rental tax; the business must register before starting, and sales tax on transient rentals is always reported to the Department even where the county collects its own tax.
LLC and business entity filings: Florida Department of State, Division of Corporations.
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.
Contractor licensing: Construction Industry Licensing Board. The Construction Industry Licensing Board licenses and disciplines Florida contractors; DBPR's site lets you verify a contractor's license by name or number.
Foreclosure process: judicial. Section 702.01 requires all mortgages to be foreclosed in equity, meaning through a court action.
Recording taxes and fees: Documentary stamp tax on deeds and other documents that transfer an interest in Florida real property; documentary stamp tax on notes and recorded mortgages (written obligations to pay money); and nonrecurring intangible tax on mortgages - collected by the county clerk when the document is recorded.

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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.

Investor loans in Florida

Larger Florida cities

https://www.flofr.gov/sitepages/documents/OFR050515.pdf
https://floridahousing.org/hometownheroes
https://floridarevenue.com/taxes/taxesfees/pages/doc_stamp.aspx
https://www.sarasotaclerk.com/Records/Recording-Services/Recording-Requirements/Recording-Fees-and-Taxes-Required
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0000-0099/0083/0083PartIIContentsIndex.html
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0000-0099/0083/Sections/0083.49.html
https://floridarevenue.com/taxes/taxesfees/Pages/sales_tax.aspx
https://www2.myfloridalicense.com/?p=10123
https://www2.myfloridalicense.com/hotels-restaurants/licensing/general/
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0509/Sections/0509.241.html
2024 HMDA data (occupancy type)