2025 · Florida
In 2025, 47,108 investment-property loans worth $17.6B were originated on single-family 1-4 unit homes in Florida. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
22.7%
U.S. median: 17.5%
DSCR / business-purpose
80%
U.S. median: 72%
Median LTV
71%
U.S. median: 74%
Since 2024 in Florida
Rate premium
106 bps → 88 bps
-18 bpsInvestor loans
42,282 → 47,108
+11.4%Denial rate
22.9% → 22.7%
-0.2 ptsDSCR / business-purpose
77% → 80%
+2.7 ptsInvestors in Florida borrowed at a median rate of 7.25%, versus 6.375% for owner-occupants — a 88 bps premium that ranks 9th of 51 states.
Their applications were denied 22.7% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
80% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 22% were cash-out refinances. The typical loan-to-value was 71%, implying about 29% down.
In 2025, the median investment-property loan in Florida carried a rate of 7.25% versus 6.375% for an owner-occupant — a premium of 88 bps. That ranks 9th of 51 states (1 = highest premium).
22.7% of investment-property applications were denied in Florida in 2025, the 4th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
80% of investor loans in Florida were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (4th of 51). The median loan-to-value was 71%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.