Orlando
Long-term rentals plus vacation homes near the attractions corridor.
- Kissimmee
- Clermont
- Davenport
- Winter Garden
Florida Rental Property LoansDSCR
Florida DSCR Loans for Rental Property
Florida's population keeps growing, and so does demand for rentals. Qualify on each property's rent and build a Florida portfolio without handing over your tax returns.
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80%
Max LTV on purchase
30-YR
Fixed rate, no call
680+
FICO score
5
Metros featured
Local Markets
Florida Rental Markets
Long-term and vacation rental markets across the state.
Tampa Bay
Strong household growth and single-family rental demand.
- Riverview
- Wesley Chapel
- Largo
- Lakeland
Jacksonville
Affordable prices relative to rents in a large metro.
- Orange Park
- Fleming Island
- Arlington
- Southside
South Florida
High rents and steady demand across Miami-Dade, Broward and Palm Beach.
- Pembroke Pines
- Miramar
- Boynton Beach
- Homestead
Gulf Coast
Long-term and seasonal rentals along Southwest Florida.
- Cape Coral
- Fort Myers
- Port Charlotte
- Naples
Available in Florida
Florida Rental Financing
Built for Florida buy-and-hold investors.
DSCR Loans
30-year fixed, up to 80% LTV, including eligible short-term rentals.
Cash-Out Refinance
Turn Florida rental equity into capital, up to 75% LTV.
Rental Portfolio Loans
Scale from one Florida rental to many with one lender.
Hard Money Loans
Renovating first? Start with Florida hard money.
Local Insight
Underwriting a Florida Rental
Insurance is often the swing factor in Florida DSCR math. Because the ratio compares rent with principal, interest, taxes, insurance and association dues, get a current wind and flood quote before you commit to a price.
Short-term rentals are eligible, but many Florida cities and HOAs restrict them. Confirm the property can legally operate as a vacation rental before relying on nightly income.
General information only, not legal advice. Confirm local rules with your closing attorney or title company.
01
Wind & flood
Insurance quotes can vary widely by roof age, construction and flood zone.
02
HOA and condo dues
Association dues and special assessments are part of the DSCR calculation.
03
No state income tax
Florida's tax structure appeals to many investors and residents.
Your Route to Closing
How We Fund Florida Deals
- 1
Property details
Address, price or value, and long-term or short-term rent.
- 2
Insurance quote
Get wind and flood quotes early; they drive the payment.
- 3
24-hour quote
We quote rate and leverage based on credit and DSCR.
- 4
Close & hold
Close on a 30-year fixed loan in your name or your LLC's.
FAQ
Frequently Asked Questions
Yes. Short-term rentals are eligible, provided local rules and any HOA allow them.
More Areas We Serve
Investing in More Than One Market?
Talk With HWC
Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.