# Florida Investment Property Loan Programs

> Compare ten Florida lending strategies, from fix and flip and DSCR rentals to construction, bridge, multifamily and commercial financing.

Canonical page: https://hardmoneylendersflorida.net/financing

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Florida loan programs

## Every property. A different plan.

Explore ten financing paths for Florida real estate investors. Start with the strategy that fits your next move.

[Discuss your Florida deal](https://hardmoneylendersflorida.net/submit-your-deal) [Explore the numbers](https://hardmoneylendersflorida.net/#calculator)

Illustrative property photography

Explore the programs

## Find your financing path.

Availability and terms depend on the property, borrower and transaction.

[Fix & flip Buy the potential. Fund the transformation. Explore financing](https://hardmoneylendersflorida.net/florida-fix-and-flip-loans) [DSCR rental Let the property tell the income story. Explore financing](https://hardmoneylendersflorida.net/florida-dscr-rental-loans) [Bridge loans A shorter path between your next two moves. Explore financing](https://hardmoneylendersflorida.net/florida-bridge-loans) [Ground-up construction From a ready site to a finished property. Explore financing](https://hardmoneylendersflorida.net/florida-ground-up-construction-loans) [Cash-out refinance Put property equity behind your next opportunity. Explore financing](https://hardmoneylendersflorida.net/florida-cash-out-refinance-loans) [Rental portfolio One financing conversation. A broader portfolio. Explore financing](https://hardmoneylendersflorida.net/florida-rental-portfolio-loans) [Multifamily Finance the next chapter of an income property. Explore financing](https://hardmoneylendersflorida.net/florida-multifamily-loans) [Commercial property Capital shaped around the asset and the exit. Explore financing](https://hardmoneylendersflorida.net/florida-commercial-loans) [Land loans Start with the site. Plan the next milestone. Explore financing](https://hardmoneylendersflorida.net/florida-land-loans) [Asset-based loans A property-focused route for a complex deal. Explore financing](https://hardmoneylendersflorida.net/florida-asset-based-loans)

Plan your financing

## Move the sliders. See the numbers.

Explore an illustrative scenario. Change any assumption to see how it affects the estimate.

Interactive calculator: [read the calculation methods and assumptions](https://hardmoneylendersflorida.net/calculator-methodology.md), or [use the calculator](https://hardmoneylendersflorida.net/calculators). Outputs are illustrative estimates, not loan quotes.

Example financing scenarios

## The numbers behind the next move.

Illustrative financing scenarios, not actual company closings or offers.

[Illustrative deal](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

Tampa, FL · Fix & flip

### [A bungalow with a second chapter](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

**$500,000**

Example loan amount

- **After-repair value**: $800,000

- **Loan / value**: 62.5%

- **Example term**: 12 months

- **Example closing**: 8 days

[View the scenario](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

[Illustrative deal](https://hardmoneylendersflorida.net/deal-orlando-rental)

Orlando, FL · DSCR rental

### [A long-term rental, ready for its next owner](https://hardmoneylendersflorida.net/deal-orlando-rental)

**$700,000**

Example loan amount

- **Property value**: $950,000

- **Loan / value**: 73.7%

- **Example term**: 30 years

- **Example closing**: 21 days

[View the scenario](https://hardmoneylendersflorida.net/deal-orlando-rental)

[Illustrative deal](https://hardmoneylendersflorida.net/deal-jacksonville-duplex)

Jacksonville, FL · Rental portfolio

### [Two rental units. One financing plan.](https://hardmoneylendersflorida.net/deal-jacksonville-duplex)

**$750,000**

Example loan amount

- **Property value**: $1,100,000

- **Loan / value**: 68.2%

- **Example term**: 30 years

- **Example closing**: 24 days

[View the scenario](https://hardmoneylendersflorida.net/deal-jacksonville-duplex)

[Explore all deal examples](https://hardmoneylendersflorida.net/recently-funded)

## Your next move starts here.

Tell us about the property. Let’s get clear on what comes next.

[Submit your deal](https://hardmoneylendersflorida.net/submit-your-deal)

## Site-wide context

Funding is subject to underwriting, approval, complete documentation and closing readiness. Availability and terms depend on the property, location and transaction. A 48-hour target is not a guaranteed funding commitment. Calculator figures and deal examples are illustrative, not offered terms or actual company closings. Property and people photography does not depict actual staff, borrowers or funded transactions.