Are these loans available for primary residences?

No. All programs listed on this page are strictly business-purpose loans. They can only be used for investment or commercial properties, not for homes you plan to occupy.

Can I qualify without W-2s, tax returns, or pay stubs?

Yes. Many Florida investors do. DSCR loans qualify you based on rental income from the property, and Non-QM programs may use 12 or 24 months of bank statements instead of tax returns. These programs are specifically built for investors and self-employed borrowers.

Can I qualify using Airbnb or short-term rental income?

Often yes. Short-term rental income may be used depending on the loan program and lender. Florida’s STR markets — like Miami Beach, Orlando, and Tampa — are commonly supported due to strong performance and stable demand.

What DSCR ratio do I need in Florida?

Most investors qualify with a DSCR of 1.0 or higher, meaning the property’s income covers the mortgage payment. Some programs allow DSCR as low as 0.75–0.99 with compensating factors such as higher credit or stronger reserves.

Can I buy the property through an LLC?

Yes. LLC ownership is widely accepted for DSCR loans, Non-QM loans, and many commercial loan programs. This is a preferred structure for investors who want liability protection or cleaner portfolio management.

Do foreign investors qualify for these programs?

Often yes. Several investor programs offer options for foreign nationals, depending on documentation, credit, and property type. Availability varies, but Florida is one of the most foreign-investor-friendly states.

How fast can I close on a Florida investment property?

DSCR and Non-QM loans can often close in 14–25 days, depending on appraisal timelines and documentation. Commercial loans may take longer, but we guide you through every step to keep the process efficient.

Do I need a lease signed before applying?

Not necessarily. Many programs use market rent estimates, short-term rental projections, or appraiser-verified rental income — especially for new acquisitions that are not yet leased.

What credit score do I need?

Most programs require a credit score of 620–700+, depending on the loan structure, down payment, and DSCR. Higher scores may unlock better terms.

What down payment is required for Florida investor loans?

Expect a down payment between 15–25% for most residential investment loans. Commercial properties may require more depending on the asset type and risk profile.

Are interest-only options available?

Yes, in many cases. Interest-only periods may be available on certain DSCR, Non-QM, and commercial loan programs, giving investors improved short-term cash flow.

Can I refinance an existing Florida rental property through these programs?

Yes. Cash-out and rate-term refinances are commonly available for DSCR, Non-QM, and commercial loans, as long as the property meets business-purpose requirements and income guidelines.

Do these loans appear on my personal credit report?

It depends on the program. Some DSCR and Non-QM loans may report to personal credit; others do not. LLC-structured loans may have different reporting rules. We can help you choose the structure that fits your goals.

Do I need rental experience to qualify?

Not always. First-time investors often qualify for DSCR or bank statement loans as long as the property meets income requirements and you meet the credit and down payment guidelines.

Are reserves required?

Typically yes — most programs require 3–12 months of reserves depending on credit, property type, and loan structure. This provides stability for both the lender and the investor.

What if the property doesn’t cash-flow?

Some programs allow lower DSCR ratios if you have stronger credit, additional reserves, or a larger down payment. We can help you evaluate scenarios and choose the right strategy.

FLORIDA · COMMERCIAL & INVESTMENT LOANS

Florida Commercial & Investment Loans — DSCR, Non-QM & LLC Financing

Designed for Real Estate Investors — No W-2s or Tax Returns Required

Florida is one of the most active real estate investment markets in the United States. With strong rental demand, rapid population growth, favorable tax conditions, and a thriving short-term rental ecosystem, investors from across the country are expanding their portfolios here.

Our commercial and investment loan programs are designed specifically for business-purpose financing — ideal for rental properties, short-term rentals, multi-unit buildings, and LLC-structured purchases.

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LOAN PROGRAMS AVAILABLE

Four Programs for Florida Investors

Florida offers one of the most diverse sets of lending options for real estate investors. These programs focus on property performance rather than traditional W-2 income.

DSCR Loans

Qualify based purely on rental cash flow — no W-2s or tax returns required. Ideal for long-term and short-term rentals.

Non-QM Bank Statement Loans

Self-employed or complex financials? Qualify using 12–24 months of bank deposits instead of traditional documentation.

30-Year Fixed for LLCs

Buy investment properties through an LLC with long-term fixed-rate stability and investor-friendly structure.

Commercial Real Estate Loans

Financing for office, retail, industrial, or multifamily 5+ units — evaluated on asset performance, not personal income.

DSCR Loans

LOAN PROGRAMS IN DETAIL

Loan Programs Available in Florida

Below is an overview of the main investor-friendly loan types available across Miami, Orlando, Tampa, Jacksonville and surrounding markets.

— NO INCOME DOCS

DSCR Loans

BEST FOR

Investors who want to qualify based purely on rental income — with no W-2s, tax returns, or employment history.

Non-QM Bank Statement Loans (12–24 Months)

BEST FOR

Self-employed borrowers whose tax documents don't reflect true income — business owners, contractors, and high-income professionals.

30-Year Fixed Loans for LLC Investors

BEST FOR

Buy-and-hold investors who want to combine a stable long-term payment with the liability protection and tax benefits of an LLC structure.

Combines the familiarity of a traditional mortgage with LLC ownership structure

Stable monthly payment while maintaining liability protection and cleaner bookkeeping

Ideal for buy-and-hold investors focused on long-term stability

Minimal documentation — well-suited for investors focused on portfolio expansion

Strong fit for long-term rentals in Orlando, Tampa, and Jacksonville

30-Year Fixed

Commercial Real Estate (CRE)

— COMMERCIAL

Commercial Real Estate (CRE) Loans

BEST FOR

Investors purchasing office, retail, industrial, warehouse, or multifamily 5+ unit properties — evaluated on the asset, not personal income.

Evaluates performance and potential of the asset itself rather than borrower personal income

Qualifying properties: office and medical buildings, retail and shopping centers, industrial or warehouse space, multifamily 5+ units, mixed-use properties

Common in Tampa Bay (industrial growth), Miami (mixed-use and multifamily), and Jacksonville (logistics hubs)

Florida's rapidly expanding commercial market creates strong opportunities across multiple asset classes

WHY FLORIDA

Why Florida Is One of the Best States for Real Estate Investors

Florida isn't just a popular vacation destination — it's one of the strongest and most resilient real estate investment markets in the United States. Investors are drawn here for a reason.

A Growing Population That Fuels Rental Demand

Florida continues to attract new residents at one of the fastest rates in the country. People are moving from high-cost states like New York, New Jersey, and California — and they need places to live.

For investors, that means stronger occupancy, steady rental income, and a tenant base that grows every year. Cities like Tampa, Orlando, and Jacksonville have seen impressive long-term demand for both entry-level and mid-range rentals.

No State Income Tax

One of the biggest financial advantages of investing in Florida is simple: no state income tax. This attracts high-income earners, entrepreneurs, retirees, and remote workers — all of whom contribute to a strong housing market.

For investors, it often means better cash flow and a more favorable environment for long-term portfolio growth.

High-Performing Short-Term Rental Markets

Florida is home to some of the most profitable short-term rental destinations in the U.S.:

Miami — year-round tourism and high nightly rates
Orlando — millions of visitors annually thanks to Disney and Universal
Tampa and Clearwater — beach tourism and business travel
For DSCR and Non-QM borrowers, strong STR income often supports favorable ratios

Strong Appreciation and Long-Term Stability

Florida's major counties — including Miami-Dade, Orange, Palm Beach, Hillsborough, and Pinellas — have shown consistent property value appreciation over the past decade.

Investors benefit not only from rental income, but from the long-term equity growth that these markets continue to deliver.

THE PROCESS

How These Loans Work in Florida

Investor loans work very differently from traditional mortgages. Instead of focusing on W-2s or tax returns, these programs evaluate the property itself and the income it's capable of generating.

That means you can qualify based on real rental performance rather than navigating complicated personal documentation. Our goal is to help you use that flexibility to your advantage — so you can move forward with clarity and confidence.

Appraisals in Florida also reflect the realities of this market. Depending on the loan type, the valuation may consider long-term rental income, short-term rental projections, or neighborhood performance trends — not generic assumptions that don't fit our market.

And when you're ready to close, Florida supports fast, investor-friendly closings. Many DSCR and Non-QM loans can be completed in as little as 14 to 25 days — whether you live in Florida or invest from out of state.

01

Start With a Quick Consultation

One of our commercial and investor lending specialists will review your scenario and help you understand your financing options.

02

Get Pre-Qualified for the Right Program

We guide you through a streamlined pre-qualification process designed for business-purpose loans — DSCR, Non-QM, or commercial financing.

03

Close on Your Investment Property with Confidence

Once approved, we coordinate the final steps and work closely with all parties to ensure a smooth, timely closing. You'll move forward knowing your financing supports your investment plan.

ELIGIBILITY REQUIREMENTS

Typical Requirements

While each loan program has its own underwriting guidelines, most Florida investor loans follow similar baseline expectations. The following ranges reflect common industry standards and may vary by lender:

DSCR ratio: Often 1.0+; some programs may allow lower ratios (0.75–0.99) with compensating factors
Down payment: Typically 15–25%, depending on the property type and loan structure
Credit score: Generally 620–700+ for most programs
Reserves: Approximately 3–12 months of payments, varying by loan product and risk profile
Income-producing property: The property must generate, or reasonably be expected to generate, rental income
Business-purpose intent: The loan must be used for investment or commercial purposes, not for personal occupancy

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IS THIS FOR YOU?

Who We Work Best With

Not everyone qualifies for the best mortgage solutions. We work with homebuyers who are serious about finding the right fit — not just the lowest number.

Have already found a home or are actively searching

Whether you're just browsing or ready to buy, we can help you secure the right financing.

Want a mortgage plan tailored to their financial goals

We don't believe in one-size-fits-all loans. Our advisors help you find a mortgage that works for your unique situation.

Are looking for expert guidance, not just the lowest rate

A mortgage is more than a number. We provide clear, transparent advice to help you make the smartest long-term decision.

Understand that a good mortgage is an investment

We work with buyers who value smart, strategic mortgage planning — not just the cheapest option today.

EXPLORE YOUR OPTIONS

Start With a Quick Consultation

Contact our team for a free mortgage estimate. Whether you're considering DSCR, Non-QM, LLC, or commercial financing — we'll help you identify the program that aligns with your strategy.

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Frequently Asked Questions