Florida mortgage and investor loans

Florida at a glance for borrowers

• No state income tax on wages, a plus for self-employed cash flow.
• Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.
• Major markets we see: Miami, Fort Lauderdale, Davie, Hollywood, West Palm Beach, Orlando, Tampa, Jacksonville, St. Petersburg, Cape Coral, Pembroke Pines, Miramar, Coral Springs, Pompano Beach, Plantation, Sunrise, Weston, Deerfield Beach, Lauderhill, Margate, Tamarac, Cooper City, Hialeah, Miami Beach, Homestead, Coral Gables, Doral, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Wellington, Palm Beach Gardens, Port St. Lucie, Fort Myers, Naples, Sarasota, Bradenton, Lakeland, Kissimmee, Clearwater, Gainesville, Tallahassee, Pensacola, Daytona Beach, Palm Bay, Melbourne, Ocala, Coconut Creek, Cutler Bay, Palmetto Bay, Miami Lakes, Winter Park, Altamonte Springs, Sanford, Oviedo, Winter Garden, Brandon, Riverview, Wesley Chapel, Land O' Lakes, North Port, Destin, Panama City Beach, Fort Walton Beach, Aventura, Sunny Isles Beach, North Miami, North Miami Beach, Pinecrest, South Miami, Miami Gardens, Dania Beach, Hallandale Beach, Oakland Park, Parkland, Apopka, Ocoee, Maitland, Lake Mary, Longwood, Winter Springs, Casselberry, Clermont, Dunedin, Largo, Tarpon Springs, New Port Richey, Spring Hill, Venice, Estero, Stuart, St. Augustine, Orange Park, Titusville, Cocoa, Greenacres, Royal Palm Beach, Lake Worth Beach, Lehigh Acres, Deltona, Alafaya, Palm Coast, Town 'n' Country, Pine Hills, The Villages, Kendall, Poinciana, Palm Harbor, Port Orange, Fontainebleau, Port Charlotte, The Hammocks, St. Cloud, Kendale Lakes, Tamiami, Bonita Springs, Pinellas Park.

Major Florida metros

Miami-Fort Lauderdale-West Palm Beach

The tri-county South Florida metro is an international market: Latin American capital, finance, tourism and a deep second-home bench keep demand high from Miami to West Palm Beach. The coast is condo-heavy with significant HOA and insurance costs, while western suburbs offer family single-family living. Investors find year-round rental demand but must underwrite insurance, assessments and HOA health carefully.

Orlando-Kissimmee-Sanford

Central Florida's tourism engine powers one of the nation's strongest rental markets, with investors active from downtown Orlando to Kissimmee's resort communities. Newer subdivisions, townhomes and condos dominate the stock, and steady job and population growth support long-term rentals. Borrowers should confirm short-term rental rules where applicable and still budget for wind coverage.

Tampa-St. Petersburg-Clearwater

Tampa Bay has become a magnet for relocating families and remote workers, with job growth in finance, healthcare and tech. The market spans downtown condos, historic bungalows and sprawling suburbs, with flood and storm-surge exposure a key insurance variable near the water. Strong rental demand supports both owner-occupants and investors.

Jacksonville

Jacksonville is Florida's value play among major metros: military bases, the port and logistics employers anchor steady demand at the state's most affordable big-city prices. Single-family homes dominate, making it a natural fit for first-time, VA and investor buyers. Flood maps along the St. Johns River deserve a close look.

Cape Coral-Fort Myers

Southwest Florida's Gulf Coast metro is built on waterfront living, rapid population growth and retiree demand. Canal-front homes and new subdivisions attract boaters, second-home buyers and investors. The post-hurricane insurance market makes early insurance quotes essential for every borrower here.

Investor loans in Florida

Home loans in Florida

Cities

• Miami, FL
• Fort Lauderdale, FL
• Davie, FL
• Hollywood, FL
• West Palm Beach, FL
• Orlando, FL
• Tampa, FL
• Jacksonville, FL
• St. Petersburg, FL
• Cape Coral, FL
• Pembroke Pines, FL
• Miramar, FL
• Coral Springs, FL
• Pompano Beach, FL
• Plantation, FL
• Sunrise, FL
• Weston, FL
• Deerfield Beach, FL
• Lauderhill, FL
• Margate, FL
• Tamarac, FL
• Cooper City, FL
• Hialeah, FL
• Miami Beach, FL
• Homestead, FL
• Coral Gables, FL
• Doral, FL
• Boca Raton, FL
• Delray Beach, FL
• Boynton Beach, FL
• Jupiter, FL
• Wellington, FL
• Palm Beach Gardens, FL
• Port St. Lucie, FL
• Fort Myers, FL
• Naples, FL
• Sarasota, FL
• Bradenton, FL
• Lakeland, FL
• Kissimmee, FL
• Clearwater, FL
• Gainesville, FL
• Tallahassee, FL
• Pensacola, FL
• Daytona Beach, FL
• Palm Bay, FL
• Melbourne, FL
• Ocala, FL
• Coconut Creek, FL
• Cutler Bay, FL
• Palmetto Bay, FL
• Miami Lakes, FL
• Winter Park, FL
• Altamonte Springs, FL
• Sanford, FL
• Oviedo, FL
• Winter Garden, FL
• Brandon, FL
• Riverview, FL
• Wesley Chapel, FL
• Land O' Lakes, FL
• North Port, FL
• Destin, FL
• Panama City Beach, FL
• Fort Walton Beach, FL
• Aventura, FL
• Sunny Isles Beach, FL
• North Miami, FL
• North Miami Beach, FL
• Pinecrest, FL
• South Miami, FL
• Miami Gardens, FL
• Dania Beach, FL
• Hallandale Beach, FL
• Oakland Park, FL
• Parkland, FL
• Apopka, FL
• Ocoee, FL
• Maitland, FL
• Lake Mary, FL
• Longwood, FL
• Winter Springs, FL
• Casselberry, FL
• Clermont, FL
• Dunedin, FL
• Largo, FL
• Tarpon Springs, FL
• New Port Richey, FL
• Spring Hill, FL
• Venice, FL
• Estero, FL
• Stuart, FL
• St. Augustine, FL
• Orange Park, FL
• Titusville, FL
• Cocoa, FL
• Greenacres, FL
• Royal Palm Beach, FL
• Lake Worth Beach, FL
• Lehigh Acres, FL
• Deltona, FL
• Alafaya, FL
• Palm Coast, FL
• Town 'n' Country, FL
• Pine Hills, FL
• The Villages, FL
• Kendall, FL
• Poinciana, FL
• Palm Harbor, FL
• Port Orange, FL
• Fontainebleau, FL
• Port Charlotte, FL
• The Hammocks, FL
• St. Cloud, FL
• Kendale Lakes, FL
• Tamiami, FL
• Bonita Springs, FL
• Pinellas Park, FL

Costs & taxes in Florida

• Closing costs in Florida
• Property taxes in Florida

FAQ