Best Bank Statement Lenders in Florida (2026)
Compare bank statement lenders serving Florida real estate investors. We found 3 lenders offering bank statement loans in Florida — see rates, LTV, credit requirements, and expert reviews below.
Investing in Florida
No state income tax, massive population inflows, strong STR markets. Florida is the top destination for out-of-state investors. Jacksonville, Tampa, and Orlando offer different investment profiles.
Key Markets
Typical Rates
7.0%–9.5%
Max LTV
75%–80%
Typical Terms
30-year fixed or ARM
Min Credit
660–700
Bank Statement Lenders Serving Florida
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Angel Oak Mortgage Solutions | 6.5%–9% | 80% | 660 | $100K–$3M | 21–30 days | 4.1 |
| Griffin Funding | 6.5%–9% | 80% | 620 | $100K–$5M | 21–30 days | 4.0 |
| Defy Mortgage | 6.5%–9% | 80% | 620 | $100K–$3M | 21–30 days | 3.9 |
Angel Oak Mortgage Solutions
4.1Angel Oak Mortgage Solutions is a leading non-QM lender offering DSCR, bank statement, and investor cash flow loans. One of the largest non-QM originators in the country with a wide broker network.
6.5%–9%
80%
660
21–30 days
$100K–$3M
No experience required
Griffin Funding
4.0Griffin Funding is a mortgage lender specializing in non-QM products for investors, including DSCR, bank statement, and asset-based loans. Strong option for self-employed borrowers and investors with complex income situations.
6.5%–9%
80%
620
21–30 days
$100K–$5M
No experience required
Defy Mortgage
3.9Defy Mortgage is a non-QM lender offering DSCR, bank statement, and asset depletion loans for real estate investors. Known for aggressive marketing and competitive rates on non-QM products.
6.5%–9%
80%
620
21–30 days
$100K–$3M
No experience required
About Bank Statement Loans in Florida
Non-QM loans that use 12–24 months of bank statements instead of tax returns to verify income. Designed for self-employed investors and business owners whose tax returns understate their actual income.
Florida real estate investors use bank statement loans for self-employed investors and business owners and investors who maximize tax deductions (write-offs reduce taxable income). Florida's lack of state income tax makes rental property returns even more attractive when combined with bank statement financing.
Other Loan Types in Florida
Bank Statement Lenders in Nearby States
Analyze Your Florida Deal
Use our free calculator to see if your Florida investment works with Bank Statement financing.