Best Conventional Lenders in Florida (2026)
Compare conventional lenders serving Florida real estate investors. Browse nationwide conventional lenders available to Florida investors.
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
6.0%–7.5%
Max LTV
75%–80%
Typical Terms
15 or 30-year fixed
Min Credit
680–720
About Conventional Investment Property Loans in Florida
Traditional Fannie Mae/Freddie Mac-backed mortgages for investment properties. The lowest rates available for investors, but require personal income qualification and are limited to 10 financed properties.
Florida real estate investors use conventional investment property loans for investors with strong w-2 or documented income and first 1–10 investment properties. Florida's lack of state income tax makes rental property returns even more attractive when combined with conventional financing.
Other Loan Types in Florida
Conventional Lenders in Nearby States
Analyze Your Florida Deal
Use our free calculator to see if your Florida investment works with Conventional financing.