Year-round tourism demand. No state income tax. Strong population growth. Florida is the #1 state for short-term rental investors and a top-3 market for DSCR loans.
Florida is one of our highest-volume states. The STR market in Orlando and the Space Coast is exceptional. Tampa has surged as a relocation destination. Jacksonville offers cash flow that Miami can't match.
Tourism capital. World-class STR demand near theme parks. Also strong long-term rental market. Average cap rates: 5–7%. Best for: STR/Airbnb DSCR, buy-and-hold.
One of the fastest-growing cities in the US. Tech and finance jobs driving rental demand. Average cap rates: 5.5–7.5%. Best for: DSCR purchase, BRRRR, fix & flip.
Most affordable major Florida market. Military base provides stable rental demand. Average cap rates: 6–8.5%. Best for: cash flow, first DSCR deal, blanket portfolios.
International demand, luxury STR market, strong appreciation. Higher prices. Average cap rates: 3.5–5%. Best for: STR/Airbnb, appreciation, foreign national investors.
LendingStreet lends in Florida for DSCR loans, Fix & Flip loans, Bridge loans, and Portfolio/Blanket loans. No W2 required. Close in as few as 10 days.
Minimum 620 credit · 1.0x DSCR minimum · Up to 80% LTV · 30-year terms available · LLC allowed · Close in 10 days · $150K–$5M+
No credit pull. No obligation. Investment property only. Our loan specialists respond within a few hours.