Where We Lend
Florida Investment Property Loans
Your trusted alternative to hard money loans for fix-and-flip, DSCR rental, new construction projects, and investment property loans in Florida.
Why Invest in Florida Real Estate
Florida’s steady population growth, tax-friendly policies, and tourism-driven economy make it one of the nation’s strongest real estate markets.
- High demand for DSCR rentals and vacation homes fueled by millions of annual visitors.
- Strong job market and ongoing population growth attract long-term residents.
- Coastal and metro areas offer opportunities in luxury, short-term, and large-scale developments.
A Trusted Partner for Florida Investors
One lender, multiple strategies. LendingOne’s financing is designed to support acquisition, stabilization, refinancing, and long-term portfolio growth in Florida.
Our team understands Florida-specific factors like HOA rules, insurance costs, and rental demand so your deals pencil before you bid, under current local underwriting conditions.
LendingOne offers investor-friendly terms that combine customized loan structures with hands-on guidance. This gives investors a welcome alternative to high-cost, rigid lending.
Streamlined applications, coordinated appraisals, and proactive communication keep you competitive in Florida’s fast-moving markets. Fewer handoffs and clear timelines help reduce closing risk and execution delays.
Investment Property Loans
in Florida
-
Scale Your Rental Investments
DSCR Rental Loans
Grow your long-term rental properties with flexible DSCR Loans for new purchases, refinances, and cash-outs.
Key Features
- Options for negative cash flowing and break-even properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy downs available
-
Fund Your Purchase & Repairs
Fix and Flip Loans
Short-term financing up to 92.5% loan-to-cost (LTC) and 100% of rehab costs to purchase and repair, fix and flip properties.
Key Features
- Up to 92.5% LTC and 100% of rehab funds
- Expedited appraisals
- No interest charged on undrawn rehab funds
- 12-month interest only loans available with no prepayment penalties
-
Expand Your BRRRR Strategy
Fix to Rent Loans
Up to 95% LTC and added discounts and rate reductions with Fix to Rent financing for every stage of the BRRRR strategy.
Key Features
- Up to a 95% LTC
- Up to a 0.5% interest rate reduction
- 50% discount on origination fees and a free appraisal when you refinance
- Cash-out options available
-
Multiple Properties, One Loan
SFR Portfolio Loans
Build long-term wealth by consolidating multiple single-family rental properties into one flexible loan with one easy payment.
Key Features
- Consolidate up to 20 properties into one loan
- Lower fees with reduced interest rates
- Easier rental portfolio management
- Recourse and non-recourse options
-
Finance Ground-Up Projects
New Construction Loans
New construction financing for investors, builders, and developers looking for up to 85% LTC on ground-up projects.
Key Features
- Up to a 90% LTC
- No reserves collected at closing
- No interest on undrawn construction funds
- 12- to 24-month term options
Speak with Your Local Lender Today!
Share a few details about your Texas deal in our form, and a LendingOne loan advisor will follow up with clear options, next steps, and a realistic path to close.
Recently Funded Florida Deals
Location
Scattered Site , TX, FL, GA, NC, AZ
Location
Scattered Site , FL,GA,NC,AZ,CO
Location
Tampa , FL
Location
Jacksonville , FL
Location
Fort Lauderdale , FL
Location
Miami , FL
Location
Orlando , FL
Location
Jacksonville , FL
Location
Tampa , FL
Top Metropolitan Statistical Areas (MSAs) in Florida
Miami
Global demand meets tropical luxury rentals
Tampa
Job growth and affordable housing supports rental strategies
Orlando
Tourism and population growth sustain demand for long-term rentals
Florida Real Estate Market Insights
The real estate of the Sunshine State attracts many investors, especially in coastal metro areas. Successful underwriting depends upon understanding these geographic trends, as well as understanding rent trends, insurance costs, and local supply dynamics.
Top Metropolitan Statistical Areas (MSAs) in Florida
Miami
Global demand meets tropical luxury rentals
Tampa
Job growth and affordable housing supports rental strategies
Orlando
Tourism and population growth sustain demand for long-term rentals
Florida Real Estate Market Insights
The real estate of the Sunshine State attracts many investors, especially in coastal metro areas. Successful underwriting depends upon understanding these geographic trends, as well as understanding rent trends, insurance costs, and local supply dynamics.
Helpful Resources for Florida Property Investors
Access market insights, development guidance, and local expertise to support your Florida investment journey, from underwriting assumptions through construction, stabilization, and project completion.
More Insights on Florida Real Estate Investing
Stay on top of what’s shaping trends, from housing market momentum and DSCR rental demand signals, to build activity and rent-growth trends. Explore the latest insights below to sharpen your strategy before your next offer or refinance.
