Florida · SFR Portfolio
Florida SFR portfolio financing.
Long-term DSCR financing and short-term bridge loans for single-family rental portfolios across Florida. Blanket facilities for 5, 10, or 20+ properties under one loan. Tampa, Jacksonville, Orlando, Fort Myers, and Lakeland markets.
By David Hodara ·
5+
Top SFR metros
$1M-$5M
Loan range
5-50+
Properties per blanket
2-4 weeks
Typical close
Florida sfr portfolio market context
Florida is the second-largest SFR market in the country behind Texas, driven by net domestic migration and the affordability gap between coastal and central FL housing. Top SFR submarkets are Tampa, Jacksonville, Lakeland, Orlando, and Fort Myers, where institutional and retail investors compete for buy-and-hold inventory.
DSCR is the dominant long-term financing product for Florida SFR. Most institutional investors run blanket DSCR loans covering 10-50+ properties under a single facility, with portfolio-level DSCR underwriting (rather than property-by-property). Florida insurance cost is a major DSCR input on properties in coastal counties.
Typical loan products for Florida sfr portfolio
Each deal gets routed to the product structure that fits. Most sfr portfolio deals in Florida use one of the following.
DSCR loans
Long-term financing for 5+ rental properties under a blanket loan, qualified on portfolio cash flow.
Bridge loans
Short-term financing to acquire and season a portfolio before refinancing into permanent DSCR.
Fix and flip loans
Short-term acquisition + renovation for portfolio flips. 7-14 day close, interest-only, no prepayment penalty.
Buying Florida sfr portfolio from outside the US
We finance sfr portfolio in Florida for investors based outside the United States as readily as for US borrowers. The loan is made to a US LLC rather than to an individual, which keeps it business-purpose, and the underwriting looks at the property rather than at a US credit profile a non-resident has no way to build.
That means no US credit history, no US income documents, no foreign-national rate premium, and no requirement to travel to the United States to close. If you do not yet have the entity, forming one is a step in the process rather than a prerequisite you have to solve alone.
Top Florida markets we actively fund
We work sfr portfolio deals across Florida, with deepest lender relationships in the metros below.
Florida sfr portfolio FAQ
How does a blanket DSCR loan work on a Florida SFR portfolio?
One loan secured by multiple properties (typically 5-50+). Portfolio-level DSCR is calculated by aggregating NOI across all properties divided by aggregate debt service. Allows for individual property releases on partial paydowns, common during property turnovers.
What's typical leverage on a Florida SFR DSCR loan?
Up to 75-80% LTV on purchase, 70-75% on cash-out refinance. Pricing varies by portfolio DSCR, property class, and concentration risk (a portfolio spread across 3 metros prices better than 25 properties in one ZIP code).
Are Airbnb/STR properties eligible for SFR portfolio loans?
Yes, but with adjustments. Lenders use a haircut to STR projected income (often 60-70% of historical Airbnb income) vs. long-term rental comparables. Some programs explicitly include STR; others exclude it as too volatile.
How does Florida insurance cost affect SFR portfolio DSCR?
Significantly. On properties in coastal counties or designated hurricane zones, insurance can be 25-40% of operating expenses. Lenders increasingly require current quotes (not 12-month-old policies) and stress-test for renewal hikes. This can push DSCR below qualifying thresholds even when rents are strong.
Can a foreign national finance sfr portfolio in Florida?
Yes. We lend to a US LLC rather than to an individual, and we underwrite the property rather than a US credit profile, so a non-resident with no US credit history and no US income documents can borrow on the same terms a US borrower receives. There is no foreign-national rate premium, and you do not have to travel to the United States to close. The structure is the same in Florida as in every other state.
Got a Florida sfr portfolio deal? Send it over.
Term sheet inside 48 hours, or a fast no so you can move on. Business-purpose CRE financing only.