Looking for the 7 best lenders for investment properties in 2024? You’ll find Florida standouts like BridgeWell Capital, Alto Capital, RBI Private Lending, Easy Street Capital, and A to Z for hard money and fix-and-flip speed. For DSCR, consider Griffin Funding, Angel Oak, Newfi, HomeAbroad, and RAC Mortgage. Short‑term rental specialists include TheLender and Modern Lending. Construction and small balance options round it out with flexible terms, high leverage, and fast closings. Keep going to see how they compare and when to use each.
Key Takeaways
- Alto Capital and RBI Private Lending rank among Florida’s top hard money lenders, offering fast closings for investment properties.
- BridgeWell Capital leads Orlando with $200MM funded and 10-day closings; Easy Street Capital closes in 48 hours with light documentation.
- Griffin Funding and Angel Oak provide DSCR loans up to $20M, including interest-only and 40-year terms for cash-flowing rentals.
- Newfi and HomeAbroad serve Florida investors with 0.8 DSCR minimums, 30-day closings, and reduced-doc options for foreign nationals.
- ABL Funding and LendingOne lead fix-and-flip financing with up to 93% LTC, 75% ARV, 12-month interest-only terms, and fast approvals.
Best Florida Hard Money Lenders for Investment Properties
Whether you’re flipping, building, or holding rentals, Florida’s best hard money lenders stand out for speed, scale, and flexible underwriting. You’ll see real volume: Q4 2024 funding topped $1.62B across 2,816 borrowers.
Alto Capital ranks Top 3 in Florida by volume, while RBI Private Lending sits in the Top 10. BridgeWell Capital leads Orlando with $200MM funded and 10-day closings or less. A to Z Capital’s 4.9-star reviews signal reliable investment property financing. Easy Street Capital is known for 48-hour closings, light documentation, and investor-focused programs like EasyFix and EasyBuild.
For terms, Easy Street Capital offers up to 93% LTC/75% LTV on fix-and-flip statewide. ABL Funding finances 70% land and 100% construction, plus rental loans to 80% LTV with rates from 6%.
Expect 12–24 month horizons, 70%–80% of value, and roughly 15% rates. Asset-based underwriting, low-doc options, and fast decisions set Florida hard money apart.
Top DSCR Loan Providers Serving Florida Investors
Although DSCR loans rely on property cash flow over personal income, Florida’s top providers still compete on scale, speed, and flexibility.
Griffin Funding covers the state with up to $20 million, 15% down, interest-only options, and unlimited cash‑out—useful as Miami, Orlando, Tampa, and Jacksonville demand grows.
Angel Oak offers $100,000–$3 million, 40‑year terms, and interest‑only structures, though credit scores often start near 680.
Newfi tailors Florida DSCR loan types with a 0.8 minimum DSCR and roughly 30‑day closings.
HomeAbroad serves foreign nationals with reduced documentation and DSCR as low as 0.75.
RAC Mortgage targets rapid closings in Tampa.
Expect minimum down payments of 15–25%, DSCR from 1.0–1.25 for many new investors, and underwriting aligned with Florida investment trends. No income verification is a core feature of DSCR loans since approval is based on property cash flow, not personal earnings.
Leading Private Money Lenders for Fix-and-Flip in Florida
As you assess Florida fix-and-flip financing, start with leading hard-money options like ABL Funding, LendingOne, American Heritage Lending, RBI Private Lending, BridgeWell Capital, and Easy Street Capital.
You’ll typically see 85–93% LTC, up to 75% ARV, fast approvals with closings in 3–10 days (sometimes 48 hours), and features like 100% rehab funding, limited docs, and no prepay penalties.
Compare each lender’s speed, points, and leverage to match your project’s timeline and budget. In Florida, some lenders offer a True Zero-Point program with no prepay penalty and no exit fees, simplifying costs for investors.
Top Florida Hard-Money Options
If you’re flipping houses in Florida, the state’s hard-money market gives you deep, fast options backed by meaningful volume and credible track records. You can align hard money benefits with clear investment strategies by prioritizing lenders with scale, speed, and strong reputations. Kiavi led Q1 2025 volume with 711 Florida loans, while Alto Capital, RBI Private Lending, and Lendz clustered around the next tier. For South Florida speed, consider A to Z Capital, Perfecto Capital, or Hard Money Loan Solutions; Easy Street Capital and Capital Fundings offer broad statewide reach. In Q2 2025, Florida private lenders funded 1,144 short-term loans at an average interest rate of 10.46% and an average loan amount of $642,028.
| Lender | Signal | Notable Focus |
|---|---|---|
| Kiavi | 711 FL loans (Q1’25) | High-volume flips |
| Alto Capital | Top 3, 276 loans | Rehab/DSCR |
| Easy Street Capital | Up to 93% LTC | Fix & flip, new build |
| Perfecto Capital | A+ BBB, fast funding | 48-hr decisions, ARV-based |
Typical Fix-And-Flip Terms
Expect tight, borrower-friendly terms from Florida’s leading fix-and-flip lenders: up to 93% loan-to-cost (about 85–92.5% of purchase) with max leverage capped near 75% of ARV, standard 12-month, interest-only bridges, and 100% financed rehab via draw schedules. Florida’s market momentum offers strong upside, with average gross profits of $72,000 per flip in 2023.
Rates typically land between 10–12% (11.49% common), with 1% origination points standard—though zero-point or deferred-point options exist. You won’t see prepayment penalties, and many programs skip appraisals under $1 million.
Rehab funds accrue no interest until drawn and release after scope-verified inspections. Bridge structures keep your loan duration short, usually 12 months, with select 360-day notes.
- Fast approvals with limited documentation for experienced borrowers
- Direct lenders, transparent terms, and no third-party surprises
- Funding tied to detailed scopes, contractor bids, and market-verified rehab caps
Speed, Fees, and Leverage
Even in Florida’s fast-moving flip market, you can line up private capital quickly and predictably if you know which lenders fit your timeline, budget, and leverage goals. Prioritize closing metrics: Easy Street can close in 48 hours for qualified deals; ABL averages 10 days (as fast as 3); Malve hits 5 business days; Bridgewell targets 10 days; American Heritage comes in within two weeks. Match speed with fee structures and leverage. American Heritage’s 0-point and deferred points, no prepay penalty, and appraisal waivers under $1M reduce friction. Easy Street often skips appraisals and offers up to 93% LTC/75% LTV. ABL funds 85% purchase plus 100% rehab; Bridgewell charges no interest on undrawn rehab funds. Groundfloor offers deferred interest with 6–24 month terms, providing flexibility for Florida fix-and-flip timelines.
| Focus | Standout Options |
|---|---|
| Speed | Easy Street, ABL, Malve |
| Leverage | ABL, Easy Street, AHL |
| Fees | American Heritage, Coastal Equity |
| Terms | ABL (12-mo IO), Bridgewell (360-day) |
Florida Short-Term Rental and Airbnb Financing Specialists
From Miami Beach to Orlando, Florida’s short-term rental lenders specialize in underwriting Airbnb and vacation rentals using products tailored to cash-flowing properties.
You’ll see financing trends centered on DSCR loans that qualify you using projected nightly income and occupancy, a fit for markets like Orlando and Kissimmee with 60%+ bookings. Florida ranks among the most profitable Airbnb markets, supported by high tourist demand and strong occupancy rates.]
Lenders such as TheLender and Modern Lending offer Airbnb-specific programs: rates from 6.5%, terms up to 30 years, 620+ credit scores, and 15–20% down.
LBC Mortgage moves fast—often 20 days—while pricing reflects investment risk and evolving Airbnb regulations.
- DSCR approvals driven by platform data, bank links, and tax pulls for precise pre-approvals
- Loan officers who own vacation rentals, translating local demand into underwriting
- Alternatives: HELOCs (740+ score), hard money, and owner-occupant multi-unit strategies
Small Balance Loan Experts for 5–50 Unit Properties in Florida
While traditional banks often overlook 5–50 unit deals, Florida’s small balance specialists move fast and underwrite the asset first. You’ll see lenders like BridgeWell Capital, Gelt Financial, Soviero Capital, Easy Street Capital, and LendingOne fill the gap with nimble terms, clear loan eligibility, and closings in as few as five business days. BridgeWell Capital is a direct lender with in-house capital, enabling quick closing times as short as 10 days. Expect conservative structures—typical LTVs at or below 65% for asset‑based loans, DSCR options that qualify you on property cash flow, and minimums from $75,000 to $100,000.
BridgeWell offers up to 5‑year small balance terms; Soviero funds hard money up to three years; Easy Street’s rentals reach $3.5 million with 15% down; LendingOne provides DSCR and portfolio alternatives.
Many welcome foreign nationals and new investors, issue term sheets within 24 hours, and finance portfolios via blanket loans.
New Construction and Ground-Up Investor Loans in Florida
Small-balance lenders may power quick acquisitions, but ground-up projects demand purpose-built construction financing. In Florida, you’ll typically see 12–18 month interest-only loans, funded in draws as milestones are met. Rates often start near 9.90% and can reach 10.9%, with 0–3 points and a common $1,995 doc fee.
Expect variable rates tied to prime, flexible draw schedules, and options to separate land and vertical costs—useful for precise investment strategies. Easy Street Capital’s minimum credit score of 600 for EasyFix loans highlights accessible entry criteria for some investor programs in the state.
Eligibility is lender-specific: 600–720 credit scores, 15–30% down (some up to 90% LTC), DTI under 43%, and 2–6 months’ reserves. Programs include Easy Street Capital’s EasyBuild (680+ FICO, 15% down), Lending One up to 85% LTC, and American Heritage Lending up to 90% LTC.
- Fund release tied to inspections
- Tailor product to local demand
- Leverage population-driven absorption
Seniors and Student Housing Financing Leaders in Florida
You’ll want to align with Florida’s seniors housing leaders—Fannie Mae, PGIM Real Estate, Synovus, and Arbor Realty Trust—who finance AL, IL, memory care, and skilled nursing with institutional terms and non-recourse options. Our team specializes in Florida senior housing, offering site selection, land assemblage, and investment dispositions backed by two decades of experience and deep market access. At the same time, engage student housing specialists that underwrite by proximity to campuses, preleasing strength, and bed-to-bath parity, offering fixed or floating structures and seasoned sponsorship requirements.
Seniors Housing Leaders
Looking for reliable leaders in Florida seniors and student housing finance? You’ll find strong partners tuned to seniors housing trends and practical financing options.
Fannie Mae’s Tampa office anchors agency execution, offering non-recourse loans from $5 million, up to 80% LTV for independent living, and terms to 30 years with assumability. Florida Community Loan Fund (FCLF) advances affordable senior rentals statewide through mission-driven partnerships.
- Agency loans typically require five years’ Florida operating experience, five-plus senior assets, licensing, and 90% economic occupancy for 12 months (independent living).
- Expect a $15,000 application deposit, $3,000 processing fee, 1% origination, and a refundable 2% rate lock at closing; fixed loans allow up to 80% LTV.
- For Alzheimer’s/dementia care, underwrite to stricter metrics—commonly 70% LTV caps—with supplemental financing available under Fannie Mae guidelines.
Student Housing Specialists
While Florida’s student housing market evolves rapidly, you can tap seasoned specialists who pair campus-savvy underwriting with scalable capital.
Fannie Mae and Freddie Mac anchor financing options: Fannie offers up to 75% LTV for assets within two miles of campus, 80%+ student occupancy, and a one-school-year operating history; Freddie delivers $5–$100 million loans, up to 80% LTV, with 5–30 year terms for schools with 8,000+ students—covering UF and UCF.
Track student housing trends through active pipelines: CBRE IM and Gilbane’s JV adds nearly 3,000 beds at UCF and UF.
Berkadia markets close-to-campus deals like The Wynwood in Gainesville and Lapis Apartments in Miami.
Northmarq structures advisory-driven capital stacks.
For HBCUs, DOE’s 30-year fixed HBCU Capital Financing Program remains pivotal.
Frequently Asked Questions
How Do Prepayment Penalties Differ Across Investment Property Loan Types?
They differ by loan type: portfolio loans use strict prepayment structures with multi‑year penalty variations; conventional loans may include clauses tied to credit, reserves, and down payment; DSCR loans stay flexible; hard and private money rarely enforce meaningful penalties.
What Documentation Do Lenders Require for DSCR Loans Without Tax Returns?
You’ll provide documentation requirements for DSCR loans: government ID, SSN/EIN, entity docs (LLC, operating agreement), leases/rent rolls, 12–24 months rental history, market rent analysis, bank statements, reserves, proof of funds (~30%), appraisal, insurance, DSCR/LTV calculations, and explanations for large deposits.
Can Foreign Nationals Qualify for U.S. Investment Property Financing?
Yes—you can qualify. Expect higher rates, strict reserves, and US-entity requirements. Financing options overview: DSCR loans, bridge, fix-and-flip, and portfolio loans. Overcome foreign investor challenges with alternative credit, 25–40% down, bank statements, passports/visas, and strong property documentation.
How Do Rate Locks Work for Multifamily Loans in Volatile Markets?
You lock a rate to shield against hikes, but in volatile markets you face stricter terms. Understand rate lock mechanics: standard periods, extension fees, treasury-based pricing, lender spreads, possible replacement caps, and your full financial risk if conditions deteriorate.
Are Mixed-Use Properties Eligible Under Small Balance Loan Programs?
Yes. You can pursue mixed use financing under small balance loan programs, subject to eligibility criteria: commercial space typically capped at 40%, primarily residential use, strong credit, 20–25% down, DSCR ≥1.25, required appraisals, inspections, and occupancy thresholds.
Conclusion
You’re now equipped to move fast and finance smart across Florida’s investment landscape. Whether you need hard money for a flip, a DSCR loan for rentals, private funds for short-term projects, or small-balance loans for 5–50 units, you’ve got options. You can also secure capital for new construction, ground-up builds, seniors, and student housing. Compare terms, speed, leverage, and service. Then pick the lender that aligns with your strategy—and execute with confidence.
