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Real Estate Loans in Florida

Florida's markets range from South Florida and the Gulf Coast to Orlando and Jacksonville, with a mix of long-term and vacation rental property.
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  • Miami
  • Orlando
  • Tampa
  • Jacksonville
  • Fort Lauderdale
  • West Palm Beach
Loan programs
2
Major metros
6
Financing
Business-purpose

Available Loan Products in Florida

  • Commercial Permanent

    Loans for commercial real estate investments

  • Residential DSCR Loan

    Debt service coverage ratio loans for rental properties

Florida Market Highlights

  • Tourism supports a large short-term and vacation rental market.
  • Miami and South Florida are large international real estate markets.
  • The economy spans tourism, finance, technology and healthcare.

Florida Lending Questions

Do you offer DSCR loans in Florida?

Yes. DSCR loans for 1-4 unit rentals, condos and townhomes in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, West Palm Beach and statewide. The loan qualifies on the property's rent, not your personal income.

Can a DSCR loan be used for a vacation or short-term rental in Florida?

Yes, case by case. A short-term rental can qualify on market rent or documented rental income, as long as it is a non-owner-occupied investment property and not a second home you use.

What are DSCR loan requirements in Florida?

A minimum 1.10x DSCR, a 680+ FICO score, at least 20% down on a purchase (up to 80% LTV), an appraisal, and a non-owner-occupied rental property. Loans go up to $5 million. The requirements are the same in every Florida city.

Do you make commercial real estate loans in Florida?

Yes. Commercial permanent loans for investor-owned multifamily (5+ units), mixed-use, retail, office, industrial and self-storage property, on occupied property with LTVs up to 75% and amortization up to 30 years: up to $5 million for a purchase, rate-and-term refinance or cash-out refinance.

Why Choose Riverside Park Capital in Florida

What sponsors and investors can count on when they work with RPC.

  • $4B+ in Real Estate Financing Supported

    Our principals have financed more than $4 billion. Our founders began their careers on the lending desks of JPMorgan, Wells Fargo, HSBC and RBC.

  • Disciplined Execution

    Preliminary terms are an estimate, not an approval. Final terms follow underwriting, valuation, title and documentation.

  • Business-Purpose Only

    All financing is business-purpose. Commercial programs serve owner-occupied and investor-owned commercial assets; residential investor programs are for non-owner-occupied investment properties only.

  • Structured for Sponsors

    Programs underwritten to property cash flow, sponsor experience, and asset-level economics.

Not sure which loan fits your next deal?

Request financing for your investment property in Florida in four short steps. Our originations team reviews your scenario and follows up. Submitting this inquiry does not authorize a credit pull.

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Get a competitive quote for your next Florida real estate investment. We serve Miami, Orlando, Tampa, and more.
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Licensing & Regulatory Information

Licensing and availability vary by program, property and state. We confirm both for each deal. All Riverside Park Capital financing is business-purpose only, for investment and commercial properties.

Riverside Park Capital: All loans are business-purpose. Commercial programs are available for owner-occupied and investor-owned commercial assets. Residential investor programs are for non-owner-occupied investment properties only. Not available for consumer-purpose residential transactions.