FL · Jacksonville
Investment Property & DSCR
Loans in Jacksonville, FL
DSCR, bridge, fix & flip, renovation, and construction loans for residential investment property in Jacksonville. $1M to $5M, term sheet in 24 to 48 hours. Foreign nationals welcome.
Jacksonville is the largest city by land area in the contiguous United States, with a metro population of over 1.6 million. The city's deep-water port, strong military presence, and growing financial services sector make it one of Northeast Florida's most compelling commercial real estate markets.
Passy Capital helps Jacksonville investors and developers secure financing for multifamily acquisitions, industrial properties, ground-up construction, and value-add repositioning throughout Duval County and the surrounding region. We understand the local market dynamics and structure deals to match.
Our lender network includes regional and national capital sources with active Northeast Florida programs, experienced in navigating Jacksonville's diverse submarkets from the urban core to the rapidly growing suburbs.
Jacksonville Market Highlights
Logistics Hub
JAXPORT is one of the fastest-growing container ports in the US, driving industrial and warehouse demand across the metro.
Population Growth
Jacksonville metro adds thousands of new residents annually, fueled by affordability and job growth in financial services and healthcare.
Military Economy
Naval Station Mayport and NAS Jacksonville provide a stable economic base and consistent demand for housing and commercial services.
Affordable Basis
Lower cost basis than South Florida enables stronger cash-on-cash returns and more favorable debt coverage ratios.
Downtown Revival
Multi-billion-dollar revitalization efforts in downtown and the Northbank are creating new development opportunities.
Financial Services
Major employers including FIS, Deutsche Bank, and CSX headquarters drive office and multifamily demand in key submarkets.
Key Submarkets
Downtown Jacksonville
Riverside/Avondale
San Marco
Southside
Mandarin
Jacksonville Beach
Ponte Vedra
Westside
Northside
Orange Park
St. Johns County
Town Center
Property Types We Finance
Multifamily
Industrial
Retail
Office
Mixed-Use
Single Family (1-4)
Medical Office
Self-Storage
Loan Programs
Bridge Loans
Short-term financing for acquisitions and repositioning.
Construction
Ground-up and heavy rehab financing with flexible draws.
Renovation / Rehab
Value-add financing for rehab and repositioning.
Fix & Flip
Fast capital for residential and small commercial flips.
DSCR / Rental
Long-term rental financing based on property cash flow.
Investing in Jacksonville from outside the US
If you are buying in Jacksonville from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
Can a foreign national buy and finance investment property in Jacksonville?
Yes. The loan is made to a US LLC rather than to an individual, and the underwriting looks at the property rather than at 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.
Other Cities in Florida
We also finance commercial real estate across other major Florida markets.
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