Investment Property Loans in Florida (2026 Guide)
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Florida has become one of the most active real estate investment markets in the country.
From single-family rentals in Tampa and Jacksonville to Airbnb properties in Miami and the Florida Keys, investors are financing all property types statewide.
Here's how investment property financing works in Florida — and what to expect.
Quick Answer: Investment property loans in Florida are available for DSCR rentals, fix & flip, short-term rentals, new construction, and bridge financing — all without W-2s or tax returns. Most programs require a 640+ credit score and 20–25% down. Grafton Funding finances investment properties throughout Florida statewide.
Why Florida Attracts Real Estate Investors
One of the fastest-growing states by population — strong rental demand
No state income tax — improves net returns for out-of-state investors
Coastal and tourist markets rank among top STR performers nationally
Landlord-tenant laws are relatively investor-friendly
Multiple distinct metro markets — diverse opportunity across the state
Loan Types Available for Florida Investment Properties
Qualify based on rental income — not personal income or tax returns. Available for single-family, condos, and 2–10 unit properties statewide.
Short-term acquisition and renovation financing. Fast closes and ARV-based leverage for Florida renovation projects.
Finance Airbnb and VRBO properties using projected STR income from AirDNA. Essential for Florida's coastal markets.
Ground-up construction financing for Florida residential investment properties.
Short-term capital for time-sensitive Florida acquisitions or properties awaiting permanent financing.
Florida Investment Property Loan Requirements
Credit Score
640 minimum for most programs
740+ for best rates
Down Payment
20–25% for rental and STR loans
10–20% for fix & flip (ARV-based)
Income Documentation
DSCR and STR loans: property income only — no personal tax returns
Reserves
3–6 months PITIA in liquid assets post-closing
Entity
Available to individuals and Florida LLCs
Top Florida Markets We Finance
Tampa / St. Petersburg
Strong rental demand driven by tech and finance employment growth. Active fix & flip market in surrounding suburbs.
Orlando
Large rental market with diverse employer base and strong STR demand near theme parks.
Jacksonville
One of Florida's largest cities. Growing rental demand and active suburban development pipeline.
Miami / South Florida
High-value STR and luxury investment market. Strong DSCR potential in select submarkets.
Destin / Panama City Beach / Florida Keys
Top-performing STR markets. AirDNA data supports strong DSCR qualification for vacation rental financing.
Investing in Florida Real Estate?
Review loan options for DSCR rentals, fix & flip, and STR properties across Florida.
Common Questions About Florida Investment Loans
Can I finance an Airbnb in Florida without tax returns?
Yes. STR DSCR loans use projected AirDNA income — not personal returns. Florida's coastal markets are among the best-supported STR markets in the country.
Does Grafton Funding lend in all of Florida?
Yes — statewide, including all major metros and surrounding counties.
Bottom Line
Florida offers strong fundamentals for rental, flip, and vacation rental investing.
Investment property financing is available statewide:
DSCR, fix & flip, STR, new construction, and bridge
No W-2s or tax returns required
LLC financing supported
Fast approvals and competitive rates
Frequently Asked Questions
Can I get an investment property loan in Florida without tax returns?
Yes. DSCR and non-QM investment programs in Florida qualify based on rental property income — not personal tax returns or W-2s. This makes them ideal for self-employed investors and anyone with complex financials.
What is the minimum down payment for a Florida investment property loan?
Most programs require a 20% minimum down payment for rental and STR loans. Fix and flip loans are evaluated on LTC and ARV rather than a fixed down payment.
Can I finance an Airbnb in Florida?
Yes. Florida has some of the strongest STR markets in the country. STR DSCR loans are specifically designed to finance Airbnb and vacation rental properties using projected AirDNA income — no personal tax returns required.
Does Grafton Funding lend throughout all of Florida?
Yes — statewide, including Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, and all other counties. Florida is one of our primary focus states.
Can I use an LLC for a Florida investment property loan?
Yes. DSCR and most non-QM investment loans in Florida can be originated in the name of a Florida LLC or a foreign LLC registered in Florida. LLC borrowing is standard practice and fully supported.
Ready to Finance a Florida Investment Property?
Get started by reviewing your loan options for DSCR rentals, fix & flip, and STR properties across Florida.
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