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.
What the national numbers mean for Florida investors
National data sets the backdrop; what matters locally is how Florida’s own tax treatment, foreclosure timeline and rent-to-price math interact with it. Read the figures below alongside the Florida specifics on this site.
- Only 1% of SFR landlords expect to increase their rents by more than +7.0%. ResiClub, “84% of investors say rising home insurance premiums impacted their”
- Fort Wayne, IN went from 34.7% “overvalued” to 48.7% “overvalued”. ResiClub, “Is the Midwest getting frothy?”
Market data courtesy of ResiClub (Lance Lambert). Figures are as published; confirm current data at the source.
Official sources for Florida investors
Figures and rules on this page trace to the agencies and codes below. Florida programs and assessment rules change, so confirm current figures at the source before you rely on one.