9 lenders confirm they lend in Florida
These lenders either list Florida on their site or list only a few excluded states, and Florida isn't one of them.
| Lender | Loan types | Min FICO | Max purchase LTV | Max cash-out LTV | Min DSCR | Loan size | STR | Foreign national | Coverage |
|---|---|---|---|---|---|---|---|---|---|
| Defy MortgageDirect to investors | DSCR / rental | 640 | 85% | 80% | 0.75x | — | — | Yes | 40 states State not confirmed. Verify. |
| Dominion Financial ServicesDirect to investors | DSCR / rentalBridge | 640 | 80% | — | — | — | Yes | — | All 50 + DC State not confirmed. Verify. |
| Griffin FundingDirect to investors | DSCR / rental | 620 | 85% | 80% | No minimum | $100K–$4.5M | Yes | Yes | All 50 + DC State not confirmed. Verify. |
| LendingOneDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 75% | 0.75x | $85K–$3M | Yes | — | 47 states State not confirmed. Verify. |
| Lima One CapitalDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 75% | 1x | $100K–$5M | Yes | — | 47 states State not confirmed. Verify. |
| Longleaf LendingDirect to investors | DSCR / rentalFix & flipBridge | 640 | 80% | — | Typically >1.0 | $75K–$2M | Yes | — | All 50 + DC State not confirmed. Verify. |
| New SilverDirect to investors | DSCR / rentalFix & flip | 650 | 80% | — | 0.75x | $100K–$5M | Yes | — | All 50 + DC State not confirmed. Verify. |
| Rehab Financial GroupDirect to investors | Fix & flipHard moneyDSCR / rental | 640 | — | 75% | — | $100K–$1.25M | — | — | 18 states State not confirmed. Verify. |
| VasterDirect to investors | BridgeHard moneyDSCR / rental | — | 65% | — | No DSCR ratio option | — | — | Yes | FL, NY State not confirmed. Verify. |
25 more lenders that may cover Florida
These lenders describe nationwide or multi-state lending but don't list states on the pages we checked. Confirm Florida eligibility with the lender before paying for an appraisal.
| Lender | Loan types | Min FICO | Max purchase LTV | Max cash-out LTV | Min DSCR | Loan size | STR | Foreign national | Coverage |
|---|---|---|---|---|---|---|---|---|---|
| 5th Street CapitalWholesale (broker-facing) | DSCR / rental | 660 | 85% | 80% | No-ratio option | $250K–$3.5M | Yes | Yes | — State not confirmed. Verify. |
| A&D MortgageDirect to investors | DSCR / rental | — | — | — | As low as 0 (no-ratio) | Up to $3M | Yes | Yes | — State not confirmed. Verify. |
| Angel Oak Mortgage SolutionsWholesale (through brokers) | DSCR / rental | 680 | 85% | — | Below 1.0 / no-DSCR options | $100K–$3M | Yes | Yes | — State not confirmed. Verify. |
| BridgePoint (bplending.com)Direct to investors | DSCR / rentalFix & flipBridge | — | — | — | — | — | — | — | 44 states + DC (specific states not listed in text). State not confirmed. Verify. |
| Capital Funding FinancialDirect to investors | DSCR / rentalFix & flipBridgeHard money | 660 | 80% | — | 0.75x | $200K–$10M | — | Yes | — State not confirmed. Verify. |
| Civic Financial ServicesDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | — | $50K–$3M | — | Yes | — State not confirmed. Verify. |
| Cogo CapitalDirect to investors | Fix & flipHard moneyDSCR / rental | 600 | 80% | — | — | $50K–$3M | — | — | Says it serves investors across America. State not confirmed. Verify. |
| CoreVest FinanceDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | From $75K | Yes | — | — State not confirmed. Verify. |
| CV3 FinancialDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 80% | Minimal DSCR requirements | $75K–$5M | — | — | — State not confirmed. Verify. |
| Easy Street CapitalDirect to investors | DSCR / rentalFix & flipBridge | 600 | — | — | No minimum | $75K–$5M | Yes | — | DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and … State not confirmed. Verify. |
| Express Capital FinancingDirect to investors | DSCR / rentalFix & flip | 600 | 85% | 75% | 1.0x (no-DSCR option) | $50K–$3M | Yes | Yes | DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, … State not confirmed. Verify. |
| HomeAbroadMortgage company focused on foreign nationals | DSCR / rental | — | 75% | 70% | 0.75x | From $100K | Yes | Yes | — State not confirmed. Verify. |
| HouseMax FundingDirect to investors | Fix & flipBridgeDSCR / rentalHard money | 640 | — | — | — | From $85K | — | — | Describes nationwide lending. State not confirmed. Verify. |
| KiaviDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | $75K–$5M | — | — | Homepage states lending in 49 states + DC (excluded state no… State not confirmed. Verify. |
| NewfiDirect to investors | DSCR / rental | 640 | 80% | 80% | 0.75x | — | Yes | — | — State not confirmed. Verify. |
| Park Place FinanceDirect to investors | DSCR / rentalFix & flipBridge | 660 | 85% | 75% | 0.75x | $100K–$5M | Yes | — | Lends in 46 states (specific states not listed in text). State not confirmed. Verify. |
| RCN CapitalDirect to investors | DSCR / rentalFix & flipBridge | 650 | 80% | 75% | 1x | $70K–$3M | — | — | Describes itself as a nationwide private, direct lender. State not confirmed. Verify. |
| Roc CapitalDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | — | $50K–$3M | — | Yes | — State not confirmed. Verify. |
| Stratton EquitiesDirect to investors | DSCR / rentalFix & flipBridgeHard money | 600 | 85% | — | — | $100K–$5M | — | Yes | Describes itself as a nationwide private money and non-QM le… State not confirmed. Verify. |
| Temple View CapitalDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | — | 0.75x | $55K–$6M | Yes | Yes | Describes nationwide lending. State not confirmed. Verify. |
| theLenderDirect to investors | DSCR / rental | — | — | — | — | $100K–$3.5M | Yes | — | Homepage: licensed in 48 states. State not confirmed. Verify. |
| Truss Financial GroupDirect to investors | DSCR / rentalFix & flipBridge | 620 | — | — | — | — | — | — | — State not confirmed. Verify. |
| UprightDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | 0.9x | $100K–$3M | Yes | — | — State not confirmed. Verify. |
| Velocity Mortgage CapitalWholesale (through brokers) | DSCR / rentalBridge | — | — | — | — | — | — | Yes | — State not confirmed. Verify. |
| Visio LendingDirect to investors | DSCR / rental | 680 | 85% | — | — | — | Yes | No | Describes nationwide DSCR lending. State not confirmed. Verify. |
How to compare DSCR lenders in Florida
Give every lender the same scenario: property address, purchase price or value, rent (for DSCR), credit score, loan amount and how long you plan to hold. Then compare written term sheets: rate, points, lender fees, max LTV, reserves, and the prepayment penalty schedule. A lower rate with a 5-year step-down prepay can cost more than a slightly higher rate with no prepay if you sell or refinance early.
Business-purpose investor loans are regulated at the state level, and licensing rules differ by state. That's why some lenders exclude certain states. Always confirm a lender can close in Florida for your property type.