Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
California Investor DSCR Deal Desk
Florida (FL) Wholesale Lender Directory · Judicial (Circuit Court Foreclosure Action) Foreclosure

Florida (FL) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in Florida (FL) on California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing. Underwritten to Florida's Judicial (Circuit Court Foreclosure Action) statutory framework (180–260 days-day average timeline), 0.86% average property tax rate, and $940/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — Florida (FL) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in Florida LLC or Delaware LLC.

Match My FL Deal →Compare FL Shelves

Active Wholesale Loan Programs in Florida (FL)

Florida DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Florida Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Florida Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Florida Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Florida Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Florida Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Florida Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Florida Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Florida Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Florida Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Florida County-Level Tax & Insurance Underwriting Hubs (10)

Miami-Dade County, FL
Miami-Dade County, FL · 1.02% Tax
Broward County, FL
Broward County, FL · 1.08% Tax
Palm Beach County, FL
Palm Beach County, FL · 0.98% Tax
Hillsborough County, FL
Hillsborough County, FL · 0.94% Tax
Orange County, FL
Orange County, FL · 0.89% Tax
Pinellas County, FL
Pinellas County, FL · 0.91% Tax
Duval County, FL
Duval County, FL · 0.88% Tax
Lee County, FL
Lee County, FL · 0.86% Tax
Polk County, FL
Polk County, FL · 0.87% Tax
Osceola County, FL
Osceola County, FL · 0.92% Tax

Top Florida Rental Markets

Jacksonville, FLMiami, FLTampa, FLOrlando, FLSt. Petersburg, FLHialeah, FLTallahassee, FLFort Lauderdale, FLPort St. Lucie, FLCape Coral, FLPembroke Pines, FLHollywood, FL
Best Florida (FL) DSCR & Private Money Lenders (2026) | California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing