Whether you’re buying your first rental or scaling a portfolio in Florida, we offer no-doc investment property loans that close in days, not months.
Investment Property Loan Types Available in Florida
- DSCR Loans — Qualify on rental income, not your W-2. No tax returns, no pay stubs. Min DSCR 1.0.
- Hard Money Loans — Asset-based lending. Close in 5–10 days. Up to 75% LTV. All credit welcome.
- Fix & Flip Loans — Up to 90% LTC. Draw schedules, fast funding, no prepay penalty.
- Bridge Loans — Short-term financing to close fast while longer-term financing is arranged.
- New Construction Loans — Ground-up construction funding for investors and builders in Florida.
- No-Doc / Stated Income Loans — No income verification. Qualify on property value and equity.
- Cash-Out Refinance — Pull equity from existing investment properties in Florida.
- Vacation Home & STR Loans — Finance short-term rental properties and Airbnb investments.
Why Florida Investors Choose Home Equity Lending
- No W-2, no tax returns, no pay stubs required
- Closings in as few as 5 days
- Direct lender since 1998 — no broker middleman
- All credit considered — 600+ FICO preferred
- Loan amounts from $75,000 to $5,000,000+
- Single-family, multi-family, mixed-use, commercial
- LLCs, corporations, and trusts OK
- Same-day pre-approval letters
Florida Investment Property Loan Requirements
Our investment property loans in Florida are designed for real estate investors — not primary homeowners. Here’s what we look for:
- Property type: Non-owner-occupied residential or commercial
- Loan purpose: Purchase, refinance, cash-out, or construction
- Down payment: Typically 20–30% for purchases (less for fix & flip)
- Credit: 600+ FICO preferred — exceptions available
- DSCR: 1.0 or better for rental property loans
- Experience: First-time and seasoned investors welcome
Get a Florida Investment Property Loan — Same-Day Response
Call 877-895-3634 or submit a quick quote online. We respond same day, provide a written term sheet within 24 hours, and close in as little as 5 business days. No upfront fees, no credit pull to get a quote.
Texas-based direct lender funding investment properties in 45 states.