Florida DSCR Long-Term Rental Lenders

Are you seeking long-term private financing for a residential rental property in Florida? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Florida’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 5 to 30 years.

Florida is an enormous state, and some DSCR lenders only consider specific regions. Filter the lender list by selecting a metro area:

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American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Navigator Private Capital

Knowledge. Experience. Integrity.

$75,000 - $3,000,000
6 to 12 months
10.00% - 12.00%
1.50% - 4.50%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT!

$50,000 - $2,000,000
4 to 12 months
11.88% - 13.00%
2.00% - 4.00%
Griffing Funding

DSCR Long-Term Rental Loans for Residential Investment Properties

$100,000 - $5,000,000
360 to 360 months
3.00% - 7.50%
1.00% - 3.00%
HouseMax Funding, LLC

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $9,000,000
6 to 60 months
0 - 2.00%
Haus Lending

Your Lending Partner for Real Estate Investing. Fast. Flexible. Reliable.

$50,000 - $50,000,000
12 to 360 months
Nationwide Mortgage

Aggressive Pricing & Excellent Service for Bridge, Rehab, Rental, Construction Loans

$100,000 - $10,000,000
6 to 360 months
7.25% - 12.50%
1.00% - 2.00%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months
Coastal Equity Group

Direct Private Lender for Real Estate Investors in the Southeast

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