Financing solutions for Florida rental properties, multi-family, and investment real estate. Conventional, DSCR, portfolio, and commercial options.
15-25%
Down
Conv/DSCR
Types
1-4 unit
Properties
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
Key Features
- Conventional: up to 10 financed properties, 15-25% down
- DSCR: unlimited properties, qualify on rental income
- Portfolio: local bank programs with flexible underwriting
- Hard money: fast close for fix-and-flip
- Commercial (5+ units): separate underwriting process
- Short-term rental programs (Airbnb/VRBO income accepted)
- LLC/entity vesting on non-QM programs
Who Is This For?
- Real estate investors building a Florida rental portfolio
- Out-of-state investors buying Florida property
- House hackers (FHA/VA on 2-4 units, live in one)
- Airbnb/VRBO operators in Florida tourist markets
Florida-Specific Considerations
- Florida is the #1 state for real estate investment
- No state income tax on rental income (federal only)
- Strong rental demand in Orlando, Miami, Tampa, Jacksonville
- Short-term rental regulations vary by FL municipality
- Florida landlord-tenant law favors landlords (quick eviction process)
- Flood insurance required in many coastal investment properties
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