Investment Property Loans in Florida: Types, Rates & Requirements
Investment property loans in Florida come in several forms, each with different qualification standards, rates, and use cases. Choosing the right type for your situation determines both your carrying cost and your ability to scale. Here is a clear comparison of the main options available to Florida investors in 2026.
Conventional investment loans
Conventional investment property loans require 20–25% down. Credit score minimum of 680. Rate premium of 0.5–0.75% above owner-occupied rates. Limited to 10 financed properties per borrower under Fannie/Freddie guidelines. Full income documentation required.
DSCR loans
DSCR loans qualify on rental income with no personal income documentation. They require 20–25% down, a 660–700+ credit score, and a DSCR ratio of 1.10–1.25 or better. No limit on the number of financed properties. Best for investors with multiple properties or complex tax returns. Read the full Florida DSCR loan guide.
Hard money loans
Hard money loans fund quickly (5–14 days) and qualify on property value rather than borrower income. Interest rates run 10–14%. Terms are 6–24 months. Best for fix-and-flip projects where speed matters more than rate. Not appropriate for long-term holds.
HELOC on an existing property
Using a HELOC on your primary residence or another investment property can fund a down payment on a new acquisition. This strategy leverages existing equity to acquire more assets without a cash outlay. Rate is variable at Prime + 0–1% for well-qualified borrowers.
South Florida investment market
Palm Beach, Broward, and Miami-Dade all offer strong rental demand supported by population growth, low vacancy, and a large transient workforce. Contact Mortgage Capital to discuss the right loan type for your investment strategy and current portfolio.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.