Investor journal
Investment Property Financing in Florida
A Florida investor guide to property cash flow, renovation financing and practical documents, with Curlee’s confirmed lending-state availability.
Florida is a confirmed service area
Curlee reviews Florida investment-property loans from its Austin base. This is a current financing guide, not an unverified historical expansion announcement or a claim of a Florida office.
Include costs that change the picture
Use supported rent, taxes, insurance and association expenses in your model. For condos or short-term rentals, review association rules, operating restrictions and insurance with qualified local advisers.
Pick the right financing structure
DSCR financing is for a rental hold; Fix & Flip is sized around purchase, rehab and ARV. Bridge and commercial structures have their own requirements. Ask your advisor to confirm the fit and final terms for the property.
Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor.
DSCR Rental: published program terms
| Term | 30-year fixed, 5/1 and 7/1 ARM available |
|---|---|
| Rate | Call for today's pricing |
| Max LTV | Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor. |
| Minimum DSCR | 1.0 (sub-1.0 considered case by case) |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None — property cash flow only |
| Entity | LLC or personal, unlimited properties |
| Prepayment | Step-down options, including zero-prepay pricing |
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.