Modern multi-story apartment building with balconies, surrounded by trees, with a driveway and a white wall at the entrance, during daytime with partly cloudy sky.

Florida Loan Programs for Real Estate Investors

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who qualify based on property cash flow rather than personal income.

Approval is determined by the property’s ability to cover all or part of its mortgage payment using rental income, making these loans ideal for long-term rental and short-term rental properties.

Fix and flip loans are short-term investor loans designed for purchasing, renovating, and reselling properties. These loans prioritize property value, renovation scope, and exit strategy rather than traditional income documentation.

Renovation loans allow investors to finance both the purchase and improvement of a property under a single loan structure. These programs are commonly used for value-add properties that require repairs or upgrades before being rented or stabilized.

Alternative income loans are built for borrowers whose income does not fit traditional underwriting guidelines. These programs may use bank statements, profit & loss statements, or asset utilization instead of tax returns, allowing self-employed borrowers and investors to qualify using a more realistic view of cash flow.

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