All Programs and Guides on Investor Loans Florida
Every guide on this site, one screen. Program pages carry the mechanics; city pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Short-term rental loans: Airbnb and vacation-rental financing with honest income-documentation lanes.
- Condo, condotel, and non-warrantable: where agency financing stops post-Surfside, DSCR keeps lending.
- Investor cash-out refinance: ordinary rules, plus the state tax on the loan itself.
- LLC + series LLC lending: close in the entity; the new protected series LLC; due-on-sale and the tax reset.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
City guides
- Miami: the highest investor share in the country; Miami 21 and Miami Beach STR rules.
- Orlando + Tampa: softer investor demand as an entry-pricing opportunity.
- Jacksonville: the lowest big-metro entry in the state.
Florida reference
- STR rules by city: the status table, verified July 2026, with the state preemption explained.
- Rental property taxes: the 10% cap, the just-value reset, doc stamps, and Amendment 3.
- Insurance for investors: the stabilizing market, the roof rule, flood zones, and PITIA.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or insurance advice. City and county STR rules, tax figures, and insurance requirements change; verify current requirements with the city, your association, your CPA, or a Florida real estate attorney before you buy. Loans are subject to buyer and property qualification.