Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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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 LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels. 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.

Featured Wholesale Brokerage Shelf · Company NMLS #2827624

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

Up to 80% Purchase LTV · 75% Cash-Out LTV · 30-Yr Fixed, ARM & IO Shelves · 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 · Wholesale Par-to-Premium Pricing (Scenario Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Florida Hard Money Loans
Up to 85%–90% LTC / 75% ARV · Asset-Based Interest-Only Wholesale Pricing
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Florida Private Money Loans
Up to 80% LTV / 85% LTC · Private Debt-Fund Interest-Only Pricing
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Florida Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · RTL Rehab Interest-Only Wholesale Pricing
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Florida Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · Transitional Bridge Interest-Only Pricing
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Florida Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · Interest-Only on Drawn Construction Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Florida Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · Permanent 30-Yr Fixed & Value-Add Bridge Shelves
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Florida Commercial Property
Up to 75% LTV · Commercial Non-QM & Portfolio Wholesale Pricing
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Florida Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · Short-Term Rehab Bridge -> 30-Yr 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) · 30-Yr Fixed, 10-Yr IO & 40-Yr IO Wholesale Shelves
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) | LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels