Where we lend · Florida (FL)
Investment property financingin Florida.
Fix & flip, DSCR rental, bridge and construction loans for investors in Miami, Jacksonville, Tampa and across Florida. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Florida,at a glance.
Florida is one of the top three real estate investment markets in the United States. Driven by explosive population growth, no state income tax, and a massive tourism economy, Florida offers opportunities across every investment strategy. Miami and Fort Lauderdale attract high-value fix and flip investors, while Jacksonville and Tampa offer exceptional cash flow for DSCR rental investors. Orlando's vacation rental market creates unique opportunities for short-term rental financing. Florida's construction market is booming, with new builds commanding premium prices across the state.
Markets we serve
- Miami
- Jacksonville
- Tampa
- Orlando
- Fort Lauderdale
- St. Petersburg
Why AIRE Lending in Florida
- Extensive Florida market knowledge and appraisal networks
- Programs for standard and short-term rental (Airbnb/VRBO) properties
- Construction financing for Florida's active new-build market
- Fast closings to compete in Florida's aggressive investor market
- Understanding of Florida-specific requirements including wind mitigation and flood insurance
Programs available
What we lendin Florida.
Loan programs currently available through AIRE Lending in FL.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Florida licensing and compliance
Florida requires a mortgage lender/servicer license for consumer loans. Business-purpose loans to investment entities are generally exempt from Florida consumer lending regulations. AIRE Lending maintains appropriate Florida compliance for entity borrowers.
Questions, answered
Lending in Florida,explained.
Do you finance short-term rentals and Airbnb properties in Florida?
Yes. Florida is one of our top markets for short-term rental financing. We offer DSCR loans that accept Airbnb and VRBO income for qualification. Properties in Orlando, Miami Beach, the Keys, and other tourist markets are eligible with documented rental history or third-party income projections.
What about flood zone and hurricane considerations?
Many Florida properties are in flood zones, and all loans require appropriate insurance coverage. Flood insurance is required for properties in FEMA-designated flood zones, and wind/hurricane coverage is standard for Florida properties. Our underwriting team is experienced with these requirements and factor them into DSCR and feasibility calculations.
What areas of Florida do you serve?
We provide lending across all of Florida — Miami-Dade, Broward, Palm Beach, Jacksonville, Tampa Bay, Orlando, Naples, Sarasota, and all areas in between. Florida is one of our highest-volume states with strong program coverage.
Are condo loans available in Florida?
Yes, though Florida condo lending has specific requirements. Warrantable condos are eligible for all programs. Non-warrantable condos may be eligible with select programs at adjusted terms. We can help you navigate condo-specific requirements.