Rental Loans for Florida Investment Properties

Purchasing or refinancing a Florida investment property?

We help real estate investors get 30 year rental loans for Florida investment properties. Our network of private money lenders offer competitive rates on these loan options:

Benefits of working with us:

  • Rates start at 6.75%
  • Fast closings
  • No unnecessary paperwork
  • No personal income verification
  • No personal tax returns
  • No lease requirements
  • No hard pull on credit score

Types of Investment Property Loans

Here are the different types of Florida rental loan programs we specialize in.

Rental Property Loans

  • Minimum loan amount: $75k
  • Maximum loan amount: $2m
  • Purchase/refinance LTV: Max 80%
  • Cash out refinance LTV: Max 75%
  • Terms: 5/1 ARM, 7/1 ARM, 30-year fixed rates & interest only
  • Property types: single family home, condo, 2-4 unit

Vacation Rental Loans

  • Minimum loan amount: $75k
  • 1.5+ DSCR
  • LTV: Maximum 75%
  • Terms: 5/1 ARM, 7/1 ARM, 30-year fixed rates & interest only
  • Short-term vacation rentals
  • Listed on AirBNB, VRBO, etc
  • DSCR rental loans

Rental Portfolio Loans

  • Consolidate 5+ rental properties
  • 1 monthly payment
  • Minimum loan amount: $500k
  • No maximum loan amount
  • LTV: Maximum 75%
  • 10 or 30-year fixed rates
  • Interest-only options
  • Grow your rental portfolio

Florida Minimum Rental Loan Requirements

These are our minimum loan requirements to finance a Florida investment property.

Min. Credit Score: 660

The minimum credit score for a hard money loan is 660. A private money lender will start by running a soft pull on your credit report. Since higher credit scores signal financial stability, these usually come with lower interest rates.

Min. Loan Amount: $75k

The minimum investment property loan amount is $75,000.

Minimum Documentation

  • FL Driver’s License or State ID
  • FL Articles of Incorporation
  • FL Articles of Organization (LLC)
  • LLC Operating Agreement
  • EIN Number or Letter
  • FL Certificate of Good Standing

Ability to Pay Monthly Payment

Conventional loan lenders compare your personal income to your monthly loan payment, primary residence mortgage and more. Private lenders look at the property appraised value, potential monthly cash flow, fair market rent, etc.

Ability to Repay the Loan

This will depend on the type of loan, current interest rates, down payment size and other factors. Traditional banks look at 2 years of personal tax returns, employment history, cash reserves and your credit report. Hard money lenders will look at acquisition purchase price, after-repair value, construction costs, potential monthly rental income, Florida rental market trends, etc.

Larger Down Payment

Real estate investment loans generally require a larger down payment. Expect a 10-35% down payment.

FAQ for Investment Property Loans

What type of investment property loans do you offer?

Curlee Capital works with private lenders who offer:

  • Purchase 30-year rental loans
  • Refinance loan options
  • Cash out financing
  • Fix and flip loans
  • ARM rental property financing
  • Multi-family loans

Why are the interest rates higher for investment properties?

Hard money loans are specifically designed for real estate investing. Unlike a traditional mortgage, real estate investors do not have to provide personal income, tax returns or even employment history.

For example, rental loans for multi-family properties (also known as landlord loans) are based on the potential revenue stream (monthly rental income) they can generate. Therefore, lenders take on more risk when issuing multi-family loans.

Is a Florida rental property a good investment?

Yes, Florida has year-round warm weather, the best beaches in the US (TripAdvisor and Travel+Leisure), Orlando theme parks, landlord-friendly laws and no state income tax. It also has a reliable flow of snowbirds and a steady trend of people moving from out of state.

In 2021, 122 million tourists traveled to Florida. While only 2% of Americans visited all 50 states, Florida was the most visited state. New home builders can’t keep up with demand, rent prices keep increasing and more people keep moving.

Most Competitive Florida Rental Markets

These Florida cities are experiencing rental supply shortages. Landlords can’t keep up with demand and have been increasing rent prices to match the increased demand for rentals. As of June 2022, some cities were experiencing 32.38% year-over-year rent price growth.

  1. Fort Myers +32.38%
  2. Miami +31.70%
  3. Fort Lauderdale +31.70%
  4. North Port +30.88%
  5. Sarasota +30.88%
  6. Tampa +26.93%
  7. Port St. Lucie +25.54%
  8. Lakeland +23.92%
  9. Orlando +23.70%

Is Florida a good state for landlords?

Florida has landlord-friendly eviction laws and security deposit laws that favor the landlord. There are no state-mandated rent control limitations and year-over-year rent prices continue to increase.

Does rent go up every year in Florida?

Many rent-friendly Florida cities are experiencing 32.38% year-over-year rent price increases. This is due to a strong trend of people moving from out of state and waiting for their homes to be built. It’s also the result of people looking for a place to live after a hurricane damaged their homes. Add snowbirds, foreigners traveling on vacation and no rent increase laws and you get increased rent prices every year.

Curlee Capital LLC

Curlee Capital LLC specializes in Florida investment property loans. We’re part of the Real Estate Council in Austin (RECA), Austin Chamber of Commerce and many other real estate associations across the United States. We proudly maintain an A+ rating on Better Business Bureau.

We work with dozens of private lenders and have access to all types of Florida loan programs. Every lender has a different risk tolerance and approves different borrowers. Our expertise is in matching a borrower to a lender who will approve a loan with the best loan terms and interest rates for that specific scenario.

Get Pre-Approved for a Florida Rental Loan

Contact us to purchase or refinance an investment property in Florida.

Contact us to get:

  • Free consultation
  • Hard money lender expertise
  • Less than 1 hour response time
  • Up to 80% LTV



(512) 399-4476


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