Investment Property Loans in Palm Beach County (2026 Guide)
Investment property loans in Palm Beach County are in strong demand given the county’s rental market fundamentals. Vacancy rates remain low, population growth continues, and rental income in Lake Worth, Boynton Beach, and West Palm Beach supports DSCR qualification at current prices. Here is what investors need to know about financing options in 2026.
Conventional investment loans
Conventional investment loans in Palm Beach County require 20–25% down. Rate premium of 0.5–0.75% above primary residence rates. Full income documentation required. Capped at 10 financed properties per borrower. Best for investors with strong W-2 or business income and fewer than 10 properties.
DSCR loans
DSCR loans qualify on rental income alone with no personal income documentation. Most popular with investors who have complex taxes or many properties. Down payment 20–25%. Rate typically 0.75–1.25% above conventional investment rates. No property count limit. Read our Palm Beach County DSCR guide for detailed ratio requirements and market analysis.
Hard money
Hard money funds in 5—14 days and is ideal for fix-and-flip projects. Rates run 10–14% with 6–24-month terms. Qualifies on property value, not borrower income. Not appropriate for long-term rental holds.
Top Palm Beach County investment ZIP codes
33401 (West Palm Beach), 33435 (Boynton Beach), 33460 (Lake Worth), and 33462 (Lantana/Lake Worth) offer the strongest rent-to-price ratios in the county. Single-family homes in these ZIP codes often hit DSCR thresholds at current prices. Contact Mortgage Capital to run DSCR calculations on specific properties.
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.