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FHA Investment Property Loan in Florida

An FHA loan on a investment property offers a low 3.5% down payment and forgiving credit, when the property meets FHA's standards. Here is how FHA treats a investment property in Florida.

Non-owner
Occupancy
20%–25%
Min Down
Rent / DSCR
Qualify On
Strong rental
Florida
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5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Investment Property · FHA

FHA Investment Property Loan in Florida

FHA financing on a investment property brings a 3.5% minimum down payment and a 580-score floor, but FHA also has property rules — condition, occupancy, and project approval where it applies. When a investment property clears those, FHA is one of the most accessible loans, and it stacks with Florida assistance. We confirm FHA eligibility for the specific property.

An investment property is a non-owner-occupied rental, and the standout option is a DSCR loan that qualifies on the property's rent instead of your personal income. That makes scaling a Florida portfolio far simpler.

DSCR loans look at whether the rent covers the mortgage payment — no tax returns or paystubs required — which suits self-employed investors and anyone with several properties. Conventional investor loans are also available with full documentation. Either way, expect 20% to 25% down and reserves; the better the cash flow and credit, the better the rate.

Florida's rental demand makes DSCR especially powerful here. We shop DSCR and conventional investor lenders so the down payment and rate fit your numbers and you can keep buying.

Investment Property at a Glance

✓DSCR loans qualify on rent, not personal income.
✓No tax returns or paystubs on DSCR financing.
✓Down payments of 20%–25% with reserves.
✓Conventional investor loans also available.

Read the full investment property financing guide, or compare other angles: Requirements · Financing Guide · Conventional · DSCR.

Investment Property Snapshot
OccupancyNon-owner
Min Down20%–25%
Qualify OnRent / DSCR
FloridaStrong rental
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

FHA Investment Property Loan Questions

Can I use an FHA loan on a investment property?

Often yes, if the investment property meets FHA's condition, occupancy, and (where relevant) project rules. FHA then allows 3.5% down with flexible credit. We verify FHA will accept the specific property before you apply.

What is a DSCR loan for an investment property?

A DSCR loan qualifies on the property's debt-service-coverage ratio — whether the rent covers the mortgage — instead of your personal income. No tax returns or paystubs. It is ideal for self-employed investors and portfolio builders. We shop DSCR lenders for Florida rentals.

How much down for an investment property in Florida?

Typically 20% to 25%, whether you use a DSCR or conventional investor loan, plus cash reserves. Stronger cash flow and credit lower your rate. We structure the down payment to hit the best pricing tier.

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Investment Property GuideInvestment Property · RequirementsInvestment Property · Financing GuideInvestment Property · ConventionalInvestment Property · DSCRAll Property TypesApply for Pre-Approval

FHA Investment Property Loan?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.