Investment Property Loan Rates in Florida
What drives investment-property rates in Florida, why they top every other occupancy type, and a sample payment so you can plan cash flow. Licensed FL mortgage broker NMLS# 1859012.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
Investment-property loans carry the highest rates and largest down payments of any occupancy type, because a rental is the first payment an owner drops when times get tight. That added risk is priced in. The good news is that strong credit, a bigger down payment, and solid reserves narrow the gap. The sections below cover how pricing works and what a payment can look like.
How Investment Rates Are Set
Occupancy sets the floor. A non-owner-occupied rental prices above both primary and second homes. From there, your credit, down payment, reserves, and the program (conventional, DSCR, or portfolio) move the number.
A larger down payment is the most direct lever. Putting 25% or more down instead of the 20% minimum often improves both your rate and your monthly cash flow.
Illustrative Monthly Payment
The table shows principal and interest on a $300,000 loan at a few illustrative rates that reflect typical investment-property pricing. These figures are for planning only (not a rate quote) and exclude taxes, insurance, and HOA dues.
| Rate | Loan Amount | Monthly P&I |
|---|---|---|
| 7.25% | $300,000 | $2,047 |
| 7.75% | $300,000 | $2,149 |
| 8.25% | $300,000 | $2,254 |
| 8.75% | $300,000 | $2,361 |
Illustrative only. Not a rate quote or commitment to lend. Compare to projected rent for cash-flow planning. Call (561) 300-0380 for a personalized quote.
Locking Your Rate
Once the property is under contract and the file confirms the rental strategy, locking protects your projected cash flow through closing. DSCR files lean on a market-rent appraisal, so lock for enough days to cover it.
We compare conventional, DSCR, and portfolio pricing so you lock the best path. See the full picture on our requirements page.
Investment Property Loan Rates — FAQ
Yes. Investment loans carry the highest rates and largest down payments of any occupancy type, because a rental is the first payment an owner drops in hard times, which is more risk for the lender. Strong credit, a bigger down payment, and solid reserves narrow that gap.
A larger down payment is the most direct lever: 25% or more instead of the 20% minimum often improves both rate and cash flow. A higher credit score and deep reserves help too, and comparing conventional, DSCR, and portfolio programs finds the best fit.
Compare the illustrative payment to projected rent. If rent comfortably covers principal, interest, taxes, insurance, and any HOA dues with margin to spare, the deal cash-flows. We run those numbers with you before you commit to a property.
Get an Investment Property Rate Quote
Conventional · DSCR · Portfolio · Licensed FL mortgage broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.