Complete guide to financing Florida investment properties — conventional, DSCR, portfolio, and hard money options.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Conventional: 15-25% down, up to 10 financed properties, strong credit required
- DSCR: qualify on rental income, no personal income docs, unlimited properties
- Portfolio/private: local banks with flexible underwriting, relationship-based
- Hard money: fast close (7-14 days), high rates, for flips and bridge
- House hacking: FHA/VA on 2-4 units (live in one, rent the rest)
- Florida is #1 for real estate investment — strong rental demand statewide
- No state income tax on rental income in Florida
- Key markets: Orlando, Miami, Tampa, Jacksonville, Fort Lauderdale