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Jacksonville, FL

Jacksonville mortgage and investor loans

Quick answerWe arrange home loans and investor loans for Jacksonville properties in Duval County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in Jacksonville

Investor

DSCR Loans in Jacksonville

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in Jacksonville

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in Jacksonville

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Jacksonville

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in Jacksonville

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Jacksonville

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

First-Time Homebuyer Loans in Jacksonville

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

VA Loans in Jacksonville

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Condo Loans in Jacksonville

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in Jacksonville

  • Riverside
  • San Marco
  • Avondale
  • Southside
  • Arlington

Why borrowers look at Jacksonville

Jacksonville is Florida's most affordable big-city market, anchored by military bases, logistics, healthcare and financial services. Riverside and Avondale offer historic riverfront character with early-1900s homes, San Marco brings a village feel with shops and older bungalows, while the Southside and Arlington are built around subdivisions, townhomes and commuter convenience. The housing stock leans heavily toward single-family homes on real lots, which keeps entry prices within reach of first-time buyers and VA borrowers. Investors are drawn by low acquisition costs and steady rental demand from military and port workers. Buyers should still check flood maps along the St. Johns River and budget for wind coverage.

Local market snapshot: Jacksonville

Median home value$293,700City of Jacksonville · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,465/moCity of Jacksonville · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.77% (approx.)Duval County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: Jacksonville's insurance costs are moderate by Florida standards, but wind exposure applies and flood zones follow the St. Johns River and its tributaries. Buyers near the river should verify flood zone status and get quotes early. Military and VA borrowers will find the market accessible, but insurance still belongs in the payment math.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in Jacksonville

  • Pull the Duval County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in Jacksonville.
  • 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.

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Other Florida cities

Neighborhoods in Jacksonville

FAQ

What loans can I get in Jacksonville, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in Jacksonville?

Duval County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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