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No prior builds required. Your GC's experience qualifies you for ground-up construction financing.

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Private Lending in Florida

Residential investment financing across Florida’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Florida

Florida remains America's premier real estate investment destination, driven by no state income tax, sustained population migration, and diverse regional markets. Miami, Tampa, Orlando, and Jacksonville each offer distinct investment profiles from luxury coastal to high-volume suburban growth corridors. The state's $330,000 median masks substantial regional variation.

New construction activity exceeds 100,000 annual building permits. Institutional investors, international capital, and operational sophistication set competitive expectations. For experienced operators, Florida's combination of tax efficiency, appreciation, and refinance velocity creates the highest-leverage investment environment in the nation.

Lending Areas

Florida Markets We Serve

We lend across Florida’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Miami Tampa Orlando Jacksonville Fort Lauderdale
Florida areas currently ineligible: Cape Coral, Lehigh Acres, and Port Charlotte are outside our RTL footprint due to insurance, hurricane-exposure, and valuation constraints. If your project is in one of these ZIPs, we’ll flag it at intake.
Loan Programs

Available in Florida

Every loan program we offer is available to qualified borrowers and properties in Florida.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price
$330,000
Property Tax Rate
0.83%
Population Growth
1.1% annually
Annual Permits
~175,000 (2025)
Landlord Friendly
Yes
Top Yield Market
Tampa
Strategies

What Works in Florida Right Now

Tampa New Construction Takeout & DSCR

Tampa's construction boom (20,000+ annual permits) supports builder financing and takeout. Finance development from land through vertical construction into permanent DSCR refinance. Multi-phase projects enable portfolio scaling.

Miami Luxury Repositioning & Bridge

Waterfront and high-end residential properties in Miami undergo renovation cycles. Bridge financing accelerates acquisition and value-add. Exit into permanent financing or stabilized rental income. Average project timelines are 8–12 months.

Orlando Fix & Flip in Suburban Infill

Suburban Orlando offers lower cost basis ($220K–$300K) and strong owner-occupant demand. 5–7 month renovation cycles with bridge financing yield 20%+ total returns. Rental income remains strong if projects convert to hold.

Questions

Frequently Asked Questions

Does Florida have state income tax?
No. Florida has no state income tax, making it highly attractive for real estate investors. All capital gains, rental income, and business profits are tax-free at the state level, maximizing investment returns.
What are Florida's eviction laws?
Florida is landlord-friendly. Evictions require 3 days' notice and typically conclude within 2–3 weeks. No just-cause requirement allows lease termination for any reason. 'Pay or quit' notices are enforceable and routine.
Are there flood insurance or hurricane considerations?
Coastal and FEMA-mapped flood zones require flood insurance, which can cost $800–$2,000+ annually. Hurricane season (June–November) creates operational and insurance cost considerations. Inland markets offer lower insurance but face summer weather intensity.
What's the typical hold period for fix-and-flip projects in Florida?
5–8 months is standard for residential projects. Material and labor availability are excellent. Permitting is fast in most jurisdictions (2–4 weeks). Bridge financing with 9–12 month terms accommodates seasonal market conditions.
Other Markets

Also Lending In

Georgia Alabama

Start Your Florida Investment

Our team has deep experience financing residential projects across Florida. Reach out to discuss your next deal.

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