DSCR and Hard Money Loans in Florida
Financing for real estate investors buying, renovating and renting in Florida.
- DSCR, fix and flip and portfolio loans
- No income documentation for DSCR; most borrowers have 660+ credit, lower scores reviewed case by case
- $75,000 to $5 million
Loans for Florida investors
Florida is one of the states where we do the most loans, for long-term rentals, vacation and short-term rentals, and fix and flip projects across the state.
- DSCR rental loans: 30-year fixed (or 40-year) loans for long-term and short-term rentals, qualified on the property's rent instead of your income. No tax returns or pay stubs; approval needs a valid ID, 2 months of bank statements and a soft credit pull. Most borrowers have 660 or higher; lower scores are reviewed case by case.
- Fix and flip loans: short-term loans to buy and renovate, with rehab money released in draws as the work gets done. No experience required.
- Portfolio loans: put two or more Florida rentals (or rentals across several states) under one loan and one payment.
Loans from $75,000 to $5 million, to individuals, LLCs, corporations or trusts.
Where we lend in Florida
Statewide, including Jacksonville, Tampa, Orlando, Miami, Fort Lauderdale, St. Petersburg, Lakeland, Ocala and Pensacola.
By the numbers: in 2024 Census data, Florida's median rent was $1,812 a month and its median home value was $396,900, a gross rent yield of 5.5% (9th highest of the 50 states and DC). Compare every state on our rent vs. home price by state page.
Buying in Florida from out of state?
Many of our Florida borrowers live somewhere else. DSCR loans qualify on the property's rent, so where you live and work doesn't change the approval. Close in your LLC, and our team handles the busy work: gathering documents, chasing the appraisal and keeping you updated through closing.
Common questions
Do you lend in Florida?
Yes, statewide. Florida is one of the states where we close the most loans.
Can I close a Florida loan in my LLC?
Yes. Individuals, LLCs, corporations and trusts. Expect to personally guarantee the loan; that's standard.
What credit score do I need for a DSCR loan in Florida?
Most borrowers have 660 or higher. Lower scores are reviewed case by case.
How fast can you close?
DSCR loans in as little as 10 days, typically 3 to 4 weeks. Fix and flip loans in as little as 5 days.
Do you lend in other states too?
Yes. Every state except Alaska, Hawaii, Nevada, North Dakota, South Dakota and Vermont.
Have a Florida deal? Let's talk it through.
Get a quote online or call our team.
