INVESTORS · RENTAL PROPERTY
Investment Property Loans in Florida
Financing for Florida rental homes, condos and 2–4 unit properties — conventional, DSCR and portfolio options compared in one place.
OVERVIEW
Financing built for rental property
Investment property loans finance homes you don’t live in, from a single condo rental to a small multifamily building. You can qualify with personal income and tax returns on a conventional loan, or on the property’s rent with a DSCR loan.
Alex compares conventional, DSCR and portfolio programs across 300+ wholesale lenders through NEXA Mortgage, including options for LLC vesting, short-term rentals and investors with many financed properties.
At a glance
- Single-family, condo, townhome and 2–4 unit properties
- Conventional, DSCR and portfolio programs
- LLC vesting with many Non-QM programs
- Purchase, rate-and-term and cash-out refinance
KEY FEATURES
How it works
Conventional investment loans
Qualify with your income and tax returns. Typically the lowest pricing, with limits on how many financed properties you can have.
DSCR loans
Qualify on the property’s rent compared with its payment, without personal income documentation.
Rental income
Lenders use leases or an appraiser’s rent estimate. For conventional loans, a portion of the rent can offset the payment.
Reserves
Investment loans usually require several months of payments in reserve, often more as you own more properties.
GENERAL GUIDELINES
Is it a fit?
Who it’s a good fit for
- First-time and experienced investors
- Buyers adding a long-term or short-term rental
- Owners refinancing to pull cash out for the next property
- Investors buying in an LLC
Things to know
- Down payments are higher than for a primary home
- Pricing is higher than for owner-occupied loans
- Insurance and HOA costs affect cash flow and qualifying
- Condo buildings must meet the lender’s rules
Guidelines vary by lender and change over time. Alex will review your specific situation against current program rules.
Run your numbers first
Use the Amortization Calculator to estimate your payment and see how your balance pays down. Then tap Check My Options and Alex will confirm real figures for your situation.
FAQ
Common questions
Can I use rental income to qualify?
Yes. Conventional loans count a portion of documented rent, and DSCR loans qualify mainly on the rent.
Can I buy in an LLC?
Many DSCR and portfolio programs allow LLC vesting. Conventional loans usually close in your personal name.
Is there a limit on how many properties I can finance?
Conventional programs cap the number of financed properties. DSCR and portfolio programs often don’t.
GET STARTED
See what you may qualify for
Share a few details and Alex will follow up personally to review your options — usually the same business day. No obligation, and requesting information does not affect your credit.
- Shop 300+ wholesale lenders through NEXA Mortgage
- Clear answers on rates, costs and cash to close
- Pre-approval decisions typically within 24 hours of a complete application
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EXPLORE MORE
Related loan programs
Non-QM LoansBank Statement LoansDSCR Investor LoansNon-Warrantable Condo LoansAll loan programs
Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. Non-QM loans are not agency or government loans and may have different rates, terms and requirements. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.
Ready To Take The Next Step?
Talk with Alex about your goals — no pressure, no obligation.