You’ll find top private lenders like New Silver offering 9.25%-11.25% rates with 5-7 day closings, while Lima One Capital provides up to 80% LTV on rental properties without income documentation. Kiavi leads with $23 billion financed and rates starting at 6.5% for DSCR loans, and RCN Capital scales from $50,000 to $10 million with 79% LTV ratios. Residential Capital Partners eliminates down payments entirely, and Visio Lending specializes in Florida vacation rentals with 30-year fixed terms. Each lender’s specific advantages, qualification requirements, and strategic applications become clear through detailed comparison.
Key Takeaways
- New Silver and Residential Capital Partners offer fast fix-and-flip financing with rates from 9.25%, funding up to 100% of costs.
- Lima One Capital and Kiavi specialize in rental properties with DSCR loans starting at 6.5% and no income documentation required.
- CoreVest provides long-term financing from 3-30 years with loan amounts up to $50+ million for multi-family and portfolio acquisitions.
- RCN Capital and Constitution Lending feature flexible terms with minimal documentation, LTVs up to 79%, and 10-day closings.
- Easy Street Capital offers diverse programs including fix-and-flip, rental portfolios up to $3.5 million, and new construction financing.
New Silver: Competitive Rates for Florida Fix-and-Flip Projects
New Silver positions itself as a compelling option for Florida real estate investors seeking fast capital for fix-and-flip projects, with interest rates starting at 9.25% and climbing to approximately 11.25% depending on deal specifics. You’ll access loan amounts from $100,000 to $5,000,000, supporting diverse fix and flip strategies across residential properties. The platform delivers funding flexibility through 90% LTC and 75% ARV ratios, while origination fees range between 1.25% and 1.75%. You’ll receive conditional approval within 10 minutes and close in 5-7 business days without hard credit checks. Interest-only payments improve your cash flow during 18-month terms. The lender’s asset-based financing evaluates loans primarily on property value rather than your credit score, making it accessible even if you have lower credit ratings but a strong investment opportunity. New Silver’s asset-based approach has funded notable Florida deals, including a $792,000 Marco Island rehabilitation, demonstrating consistent market engagement. The lender completes an online approval process to streamline applications for borrowers across multiple states.
Lima One Capital: Flexible Financing for Florida Rental Properties
Since 2010, Lima One Capital has deployed over $2 billion in residential real estate financing from its Greenville, South Carolina headquarters, establishing itself as a strategic partner for Florida rental property investors seeking alternatives to conventional bank lending.
Lima One’s financing options for rental properties deliver $75,000 to $3 million across multiple property types, with loan terms spanning 5, 10, or 30 years. You’ll access up to 80% LTV on purchases and 75% on refinances without personal income documentation—a critical advantage for portfolio-scaling investment strategies.
The streamlined underwriting process eliminates traditional bank friction while dedicated analysts provide personalized service throughout closing. Bridge loans feature interest-only payments and no prepayment penalties, enabling tactical shifts between acquisition and permanent financing. Loan benefits include fixed-rate stability, non-recourse options, and transparent fee structures across single-family and multi-unit configurations. Lima One Capital operates with no junk fees, avoiding common charges like application and document preparation costs that plague traditional lending. The company has closed over 26,000 loans since its founding, demonstrating extensive experience in the real estate investment lending space.
Kiavi: Fast Closings on Florida Investment Real Estate
Operating in Florida’s competitive investment property market since 2013, Kiavi has accelerated over $23 billion in real estate financing across 85,000+ projects nationwide through technology-driven underwriting that compresses traditional closing timelines.
You’ll benefit from fast approvals through their data-backed verification systems that eliminate bottlenecks in document processing. Their streamlined processes deliver portfolio rental loans at 6.625%, DSCR loans at 6.5%, and fix-and-flip financing at 7.75% with up to 90% loan-to-cost ratios.
Dedicated loan experts guide you through applications while automated underwriting accelerates decision-making. You can access bridge loans with 12-24 month terms, interest-only payment structures, and flexible ARMs or fixed-rate options. Portfolio loans consolidate multiple properties under single monthly payments, optimizing cash flow management. Kiavi’s DSCR programs focus on property income rather than your personal income, simplifying qualification for rental property investors. The platform offers limited recourse guarantees that help separate your business investments from personal financial obligations. Their 45-state presence includes specialized Florida market expertise for both first-time and experienced investors.
RCN Capital: Scalable Loans From $50k to $10m in Florida
RCN Capital delivers financing solutions spanning $50,000 to $10 million across Florida’s investment property markets, positioning itself as a scalable alternative to conventional lenders who’ve retracted from non-owner-occupied lending. You’ll access LTV ratios reaching 79% with structured renovation budgets, demonstrated through Miami case studies allocating $55,000 for property improvements. Their loan scalability accommodates both entry-level investors and large-scale developers through fix-and-flip bridge loans, DSCR rental financing, and ground-up construction products.
The lender’s investment flexibility extends through in-house underwriting that bypasses traditional bank criteria, enabling 10-business-day closings for time-sensitive Florida acquisitions. Established in 2010, the company formed during the recession to address liquidity gaps in credit markets. You’ll leverage minimal documentation requirements across their product suite, from 12-month short-term rehab loans to long-term rental portfolio expansion. Experienced borrowers utilize these 12-month terms to execute complete renovation-to-sale cycles within Florida’s single-family residential market. Select products feature no prepayment penalties, optimizing your exit strategy timing within Florida’s competitive investment landscape.
Lending One: Low-Rate Options for Florida Multi-Family Investments
LendingOne’s consultative underwriting model separates it from transactional hard money approaches, offering Florida multi-family investors rates 150-200 basis points below conventional private lenders through DSCR products starting at 6.99%. Their loan requirements prioritize debt service coverage ratios over personal income verification, enabling portfolio scaling without traditional employment documentation. You’ll access fix-to-rent discounts when converting rehabilitation projects into cash-flowing assets, while SFR portfolio consolidation loans streamline management of 5+ properties under single financing structures. Their leadership team’s decades of experience translates into investment strategies aligned with Florida’s appreciation patterns—particularly advantageous for BRRRR implementations requiring construction-to-permanent conversions. With loan amounts reaching $3 million and LTC ratios hitting 85% on ground-up developments, you’re positioned to capture value-add opportunities across Miami-Dade, Broward, and Palm Beach County multi-family markets. The platform’s minimum FICO requirement of 680 enables experienced investors with moderate credit profiles to access institutional-grade financing unavailable through traditional portfolio lenders. Lima One Capital’s value-add bridge loans help investors upgrade Class A, B, or C properties while preparing for agency takeout financing across the top 150 MSAs.
CoreVest: Long-Term Rental Financing for Florida Investors
While most private lenders concentrate on short-term fix-and-flip strategies, CoreVest positions itself as Florida’s premier long-term rental financing specialist with loan products spanning 3-to-30-year terms specifically engineered for build-to-rent and stabilized portfolio acquisitions. Their build to rent financing structure delivers 85% loan-to-cost ratios across 12-24 month construction phases, scaling to portfolio products covering multiple properties at 75% cost with extended 18-30 month timelines.
You’ll access loan amounts from $75,000 to $50+ million across single-family homes, multifamily complexes, and condos throughout Miami, Orlando, Tampa, and Jacksonville markets. DSCR loans start at 8% interest with 620 minimum credit scores, while multifamily products typically range $3-15 million. CoreVest’s milestone-based construction draws and non-recourse financing options provide scalable capital deployment aligned with Florida investment strategies targeting rental housing demand.
Easy Street Capital: Hard Money Solutions for Diverse Florida Properties
Easy Street Capital operates across Florida’s investment landscape with three specialized financing tracks that address distinct property strategies from rapid-turnover renovations to income-generating portfolios.
The Florida Market benefits from their EasyFix Program, delivering fix-and-flip capital from $75,000 to $2 million with no appraisal requirements and 100% rehab cost coverage at 75% LTV. Minimum 600 FICO scores enable rapid market entry.
For sustained Investment Strategies, their EasyRent Program extends up to $3.5 million for rental portfolios, featuring DSCR-based qualification that evaluates property income rather than personal credit. Rates begin at 5.50% for investors maintaining 640+ credit scores.
New construction projects access EasyBuild financing, while their discretionary underwriting approach accommodates portfolio-building investors across single-family residences and multi-property acquisitions throughout Florida’s expanding markets.
Residential Capital Partners: No Down Payment Loans for Florida Investors
Residential Capital Partners eliminates the traditional barrier of down payment requirements through its specialized fix-and-flip financing program serving Florida’s residential investment market. You’ll access loans ranging from $75,000 to $1,250,000 with up to 100% financing of purchase and repair costs across 1-4 unit properties. The program provides investor flexibility through 9-month terms without prepayment penalties, enabling rapid project execution and exit strategies.
New borrowers qualify for 65% ARV financing, advancing to 75% after completing 5-10 projects. You’ll exclusively operate through business entities, maintaining professional investment standards. The streamlined application process delivers loan approval within 14 days, with credit decisions often rendered in two business days. This no down payment structure preserves your capital for portfolio expansion, allowing simultaneous project management across multiple properties while maximizing per-deal returns in competitive Florida markets.
Constitution Lending: Educational Support for New Florida Real Estate Investors
Constitution Lending’s 2018 entry into Florida’s investment property market addressed critical inefficiencies through a founder team combining Wall Street fixed income expertise with hands-on real estate development experience. You’ll find their platform differentiates through extensive educational resources designed specifically for first-time investors guiding through DSCR loans and investment property financing. Their automated loan pricer delivers instant qualification feedback, enabling you to compare financing scenarios before committing to applications. The borrower guidance extends beyond transaction execution—you’ll access blogs and analytical tools explaining debt service coverage ratios and underwriting criteria. This educational infrastructure supports their 90% borrower return rate, as investors completing multiple annual deals leverage Constitution’s streamlined 7-14 day closing process. Their direct lending model eliminates broker delays while maintaining competitive high-LTV terms across Miami, Orlando, and Tampa markets.
Visio Lending: Specialized Vacation Rental Financing in Florida Markets
Since 2012, Visio Lending has engineered investment property financing specifically for vacation rental cash flows, positioning itself as Florida’s premier DSCR lender for short-term rental portfolios.
You’ll access DSCR advantages through income-based qualification—no W-2s or tax returns required. Their Florida vacation rental loans feature 20-25% down payments with 30-year fixed terms and zero balloon payments. LLC borrowing enables strategic asset protection across Miami, Tampa, and Orlando markets.
Visio’s underwriting targets properties generating minimum 8% cap rates to offset Airbnb platform fees. You’ll qualify through property cash flow metrics rather than personal debt-to-income ratios, with credit scores above 680 securing ideal pricing. Their vacation rental programs accommodate both new investors and seasoned operators scaling portfolios beyond conventional lender thresholds.
Portfolio limits expand through executive approval for multi-property strategies.
Frequently Asked Questions
What Credit Score Is Needed for Investment Property Loans in Florida?
You’ll need a minimum credit score of 620 for Florida investment property loans, though lenders prefer 680+. Credit score ranges of 720+ open the best loan eligibility criteria, including lower interest rates and favorable terms for your investment financing.
How Much Down Payment Do Florida Investment Property Lenders Typically Require?
You’ll typically need 15-20% down for conventional investment property loans in Florida. Investment property requirements are stricter than primary residences, though down payment options vary by lender and your financial profile, with some accepting as low as 10%.
What Are Typical Interest Rates for Fix-And-Flip Loans in Florida?
You’ll find fix and flip financing rates typically range from 7% to 15% APR in Florida’s 2025 market. Through careful loan comparison, experienced investors often secure 8-12% rates, while newcomers face higher costs due to perceived risk.
How Long Does Approval Take With Private Lenders in Florida?
You’ll typically receive approval from private lenders in Florida within 5-7 business days, with a complete approval timeline averaging 1-3 weeks total. This speed depends on meeting lender requirements like property equity and documentation completeness.
Can I Use Private Lenders for Out-Of-State Investment Properties?
Yes, you can use private lenders for out-of-state financing. They typically offer flexible terms nationwide, though you’ll need strong financial credentials to meet private lender requirements and should verify their familiarity with your target market’s regulations.
Conclusion
You’ve analyzed Florida’s top private lenders, each offering distinct capital structures and deployment speeds. Your selection criteria should prioritize rate competitiveness, loan-to-cost ratios, and closing timelines against your deal’s IRR projections. Whether you’re targeting fix-and-flip velocity with Kiavi’s 15-day closings or scaling multi-family acquisitions through RCN’s $10M capacity, you’ll need to match each lender’s underwriting parameters to your investment thesis. Run comparative scenarios across three lenders minimum before committing capital to optimize your cost of funds.
