Florida · Investor & commercial real estate
Investment Property & Commercial Loans in Florida
LOANKWEST matches Florida real estate investors with lenders for rental, fix & flip, hard money, bridge, construction and commercial loans, on properties in Miami, Orlando, Tampa, Jacksonville and Fort Lauderdale and across the state. One application, a dedicated loan advisor, and your deal presented to the lenders that fit it.
- 15 loan programs for Florida properties
- No credit pull to apply
- LLC & out-of-state investors welcome
Investing in Florida
What's different about investing in Florida
Florida added 467,347 residents between 2023 and 2024, the second-largest gain of any state, and passed 23 million people (U.S. Census Bureau, Vintage 2024). For investors in Miami, Tampa, Orlando, Jacksonville and Fort Myers, that growth means steady rental demand and active flip markets. It also brings Florida-specific rules worth understanding before you choose a loan. LOANKWEST is a loan broker, not a lender. We take one application and present your Florida deal to the lenders in our network that fit it.
Foreclosures go through the courts. Florida law requires all mortgages to be foreclosed "in equity," meaning a judicial process rather than a trustee sale (Fla. Stat. § 702.01). For investors, this matters in two ways. Distressed and pre-foreclosure opportunities tend to move on a court calendar, and if you are the one holding a maturing loan, there's usually time to arrange a refinance or bail out funding before a sale. Don't wait for the court date to start.
Local governments can't impose rent control. Since the Live Local Act took effect on July 1, 2023, Florida statute says a county or municipality "may not adopt or maintain in effect any law, ordinance, rule, or other measure that would have the effect of imposing controls on rents" (Fla. Stat. § 125.0103(2); the same rule applies to municipalities under § 166.043). For DSCR investors, this means underwriting rent growth is a market question, not a regulatory one.
There's no state personal income tax. Florida's constitution bars a state tax on the income of resident individuals (Fla. Const. Art. VII, § 5). Many investors and self-employed buyers relocating to Florida have income that's hard to document on a traditional application. That's exactly what DSCR loans (qualify on the rent) and asset-based hard money are built around.
International buyers are a big part of the market. Florida had the largest net international migration gain of any state in 2024 (411,322; U.S. Census Bureau, Vintage 2024). LOANKWEST's Foreign National DSCR loans require no U.S. credit score or SSN, and the program pages are available in Spanish and Chinese.
Top Florida markets for investors
- Miami High-value condo, luxury and mixed-use; strong foreign-national buyer activity.
- Orlando Short-term vacation rentals and single-family rentals near the tourism corridor.
- Tampa Fast-growing single-family rental and fix & flip market.
- Jacksonville Lower entry prices and a large single-family rental base.
- Fort Lauderdale Coastal condos, small multifamily and value-add.
Florida foreclosure, rent-rule and closing-cost basics
- Foreclosure process
- Judicial (court case) Florida mortgages are foreclosed in court (Fla. Stat. § 702.01), so timing depends on the local court docket and on whether the case is contested.
- Foreclosure timeline
- Set by the court case There is no fixed statutory sale date. Plan refinance or bail-out options early rather than relying on a typical duration.
- Rent rules & evictions
- No local rent control. State law bars counties and cities from imposing rent controls (Fla. Stat. § 125.0103), and an eviction for unpaid rent starts with a 3-day written notice, excluding weekends and legal holidays (Fla. Stat. § 83.56(3)).
- Taxes & closing costs
- No state personal income tax (Fla. Const. Art. VII, § 5). Documentary stamp tax applies to deeds (70 cents per $100 of consideration, Fla. Stat. § 201.02) and to mortgage notes (35 cents per $100, Fla. Stat. § 201.08), and a one-time 2-mill nonrecurring intangible tax applies to new mortgages (Fla. Stat. § 199.133). Budget for wind and flood insurance.
General information for real estate investors, last reviewed October 2026. Laws and tax rates change; confirm details with a Florida attorney or tax professional. Not legal or tax advice. Photo: Unsplash.
Florida investor playbook
Financing Florida deals by strategy
How investors typically finance the main Florida strategies, from South Florida condos to Central Florida short-term rentals.
Buy-and-hold and short-term rentals
DSCR loans from $100K to $3M, up to 85% LTV on purchases, closing in your LLC. Short-term rentals OK. Check local STR rules in your city or county before you buy. Run your DSCR.
Flips
Fix & flip loans up to 100% of purchase and rehab, including a 12-month no-payment option.
Speed (auctions, assignment deadlines)
Bridge loans closing in as few as 7–14 days, and hard money from $25K.
Builders
Ground-up construction for spec and build-to-rent, plus land loans.
Commercial
Commercial real estate loans from $250K to $50M+.
Run the numbers first
Estimate your ratio with the DSCR loan calculator, and compare short-term options in our guide to hard money vs. bridge vs. DSCR loans.
Open the DSCR calculator ▸Florida due diligence checklist
- Get wind, flood and windstorm mitigation quotes before you lock in the DSCR
- For condos, review the milestone inspection, reserves and any special assessments
- Budget for documentary stamp and intangible taxes on new mortgages
- Check city and county short-term rental registration rules
General information, not legal or tax advice. Local rules change, so confirm with a local attorney, title company or tax advisor.
Loan programs in Florida
Every LOANKWEST program for Florida investors
Pick a program to see its terms, run the numbers and apply. Availability shown is for properties located in Florida.
Rental Properties
Buy & Hold
DSCR Rental Loans in Florida
Qualify on the property's rent, not your tax returns.
DSCR Rental Loans for Florida properties ▸Non-DSCR Rental Loans in Florida
Rent doesn't cover the payment? No minimum DSCR, no minimum credit score.
Non-DSCR Rental Loans for Florida properties ▸Rapid Investor HELOC in Florida
Tap your rental's equity and keep your low-rate mortgage.
Rapid Investor HELOC for Florida properties ▸Foreign National Loans in Florida
U.S. rental financing for investors who live abroad or don't have U.S. credit.
Foreign National Loans for Florida properties ▸No Minimum FICO DSCR in Florida
Equity is the qualifier. No credit score required, no DSCR calculation.
No Minimum FICO DSCR for Florida properties ▸Temporary Funds
Short-Term Loans
Fix & Flip in Florida
Purchase and rehab funding, up to 100% for experienced flippers.
Fix & Flip for Florida properties ▸Hard Money Loans in Florida
Asset-based private loans for residential, commercial and land. The property qualifies.
Hard Money Loans for Florida properties ▸Bridge Loans in Florida
Short-term capital when the deal can't wait for a bank.
Bridge Loans for Florida properties ▸GAP Funding in Florida
Unsecured cash for the down payment, rehab or auction, sized on your credit and income.
GAP Funding for Florida properties ▸Bail Out Funding in Florida
Short-term capital to rescue a stuck property: maturing loan, probate, or a stalled build.
Bail Out Funding for Florida properties ▸New Construction in Florida
Ground-up financing for spec, build-to-rent and small multifamily.
New Construction for Florida properties ▸Vacant Land in Florida
Raw acreage, entitled parcels and finished lots.
Vacant Land for Florida properties ▸Construction Material Funding in Florida
Suppliers get paid today. You pay in up to 90 days, after the draw hits.
Construction Material Funding for Florida properties ▸Acquire or Reposition
Commercial
Florida lending guidelines
Compare loan programs in Florida
Typical ranges across our lender network. Your advisor confirms exact terms once lenders review your deal.
| Program | Loan size | Leverage | Terms & speed | Florida |
|---|---|---|---|---|
| DSCR Rental Loans | $100K – $3M | Up to 85% LTV on purchases | 30-yr fixed, ARM or interest-only; qualifies on rent | Available |
| Non-DSCR Rental Loans | $100K – $2M | Up to 75% LTV on purchases | No minimum DSCR or FICO | Available |
| Rapid Investor HELOC | $25K – $750K | 85% / 80% / 70% CLTV (1st/2nd/3rd) | 5-day close on lines up to $400K | Available |
| Foreign National Loans | $100K – $2M+ | Up to 75% LTV on purchases | No U.S. credit or SSN required | Available |
| No Minimum FICO DSCR | Up to $1.5M | Up to 55% LTV | Equity-qualified; no minimum credit score | Available |
| Fix & Flip | Varies by lender | Up to 100% of purchase & rehab (experienced) | 12-month no-payment option | Available |
| Hard Money Loans | $25K – $5M | Resi 65–75% · Comm 55–65% · Land 50% | Asset-based; no minimum credit | Available |
| Bridge Loans | $100K – $5M | Up to 75% LTV | Interest-only; 7–14 day closing window | Available |
| GAP Funding | $20K – $350K+ | Unsecured (no collateral) | 2–10 yr terms; 3–10 business days to fund | Available |
| Bail Out Funding | $50K – $500K | Up to 70% of ARV | 6 months or less | Available |
| New Construction | $150K – $5M | Up to 85% of cost, 100% of build | Fast draw schedules | Available |
| Vacant Land | $50K – $2M | Up to 65% LTV | Interest-only; path to construction | Available |
| Construction Material Funding | Per supplier invoice | Supplier paid up front | Up to 90-day terms; no blanket lien | Available |
| Commercial Loans | $250K – $50M+ | Up to 75–80% LTV; SBA up to 90% | 1–30 year terms | Available |
| Joint Venture Funding | $50K – $500K | 100% of costs; 50/50 profit split | 6-month term | Available |
Business-purpose loans only. Rates, terms and leverage are representative, vary by lender, property and borrower, and can change without notice. LOANKWEST is a loan broker, not a lender.
FAQ
Florida investor loan questions
How does Florida's judicial foreclosure process affect a bail-out loan?
Because Florida foreclosures go through the courts (Fla. Stat. § 702.01), owners facing a maturing or defaulted loan usually have a window to refinance or bring in short-term capital before a sale. Our Bail Out Funding program provides $50K–$500K, up to 70% of ARV, for 6 months or less.
Can I get a DSCR loan on a Florida short-term rental?
Yes. Short-term rentals are allowed on our DSCR program, but cities and counties set their own vacation-rental rules, so confirm the property can legally be rented short term before you rely on that income.
Can a foreign national finance a Florida rental?
Yes. Foreign National DSCR loans through our lender network require no U.S. credit score or SSN and close in a U.S. LLC.
Does LOANKWEST lend in Florida?
LOANKWEST is a broker, not a lender. We arrange Florida investment property loans through lenders in our network. Availability and terms vary by lender.
Sources
Florida sources
Checked October 14, 2026. Laws and figures change; confirm with the source or a local Florida professional.
- U.S. Census Bureau, "Net International Migration Drives Highest U.S. Population Growth in Decades" (Vintage 2024), https://www.census.gov/newsroom/press-releases/2024/population-estimates-international-migration.html
- Fla. Stat. § 702.01, https://www.flsenate.gov/Laws/Statutes/2026/702.01
- Fla. Stat. § 125.0103, https://www.flsenate.gov/Laws/statutes/2023/125.0103 · Live Local Act (ch. 2023-17) overview, Florida Housing Coalition: https://www.flhousing.org/wp-content/uploads/2024/10/FHC-Overview-of-the-Live-Local-Act.pdf
- Fla. Const. Art. VII, § 5, https://www.flsenate.gov/Laws/Constitution
- Fla. Stat. § 83.56, https://www.flsenate.gov/Laws/Statutes/2025/83.56
- Fla. Stat. § 201.02, https://www.flsenate.gov/Laws/Statutes/2025/201.02
- Fla. Stat. § 201.08, https://www.flsenate.gov/Laws/Statutes/2025/201.08
- Fla. Stat. § 199.133, https://www.flsenate.gov/Laws/Statutes/2025/199.133
LOANKWEST is a loan broker, not a lender. Programs are offered through lenders in our network; availability, terms and requirements vary by state and lender. General information, not legal or tax advice.
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