Investment Property Rates in Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
Investment Property Loan rates in Florida currently run in the high-6% range for a 30-year fixed, and they price differently than other programs. Investment property rates run above primary-residence pricing because lenders treat rentals as higher risk.
This page tracks investment property loan pricing for buyers of rentals and non-owner-occupied homes, who typically qualify with 15-25% down. As a licensed Florida mortgage broker (NMLS# 1859012), we compare lenders to find the real rate for your scenario.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed ★ | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| VA 30-Year Fixed | 6.375% | 6.511% | 0.0 |
| USDA 30-Year Fixed | 6.500% | 7.089% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| 5/1 ARM | 6.125% | 6.887% | 0.0 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
What sets Investment Property Loan rates
Investment property rates run above primary-residence pricing because lenders treat rentals as higher risk. That makes a direct rate comparison across programs misleading unless you also account for mortgage insurance, fees, and down payment.
For buyers of rentals and non-owner-occupied homes, the headline rate is only part of the cost. We show you the full picture so you can compare a investment property loan against your other options honestly.
Who a Investment Property Loan fits
A investment property loan is built for buyers of rentals and non-owner-occupied homes. Qualifying usually means 15-25% down, plus the credit and income documentation the program requires.
We confirm whether this program is genuinely your lowest-cost path or whether another loan would serve you better before you commit.
Locking your Investment Property Loan rate
Once you are pre-approved and under contract, we lock your investment property loan rate and manage the file to closing. We watch pricing daily and time the lock to the market.
Rates move with economic data and Fed policy, so the right lock window matters as much as the right lender.
Frequently asked questions
What are investment property loan rates in Florida?
Investment Property Loan rates in Florida are in the high-6% range for a 30-year fixed right now. Investment property rates run above primary-residence pricing because lenders treat rentals as higher risk.
Who qualifies for a investment property loan in Florida?
A investment property loan is designed for buyers of rentals and non-owner-occupied homes, typically with 15-25% down. We confirm your eligibility quickly.
Is a investment property loan my cheapest option?
Not always. The lowest headline rate is not always the lowest total cost once insurance and fees are counted. We compare every program for you.
How do I lock this rate?
After pre-approval and a signed contract, we lock your rate for 30 to 60 days and time it to the market.
Are you a licensed Florida broker?
Yes, Mortgage Capital, NMLS# 1859012, a licensed Florida mortgage broker serving all 67 counties.