Dominion Financial Services for Florida investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
Florida context
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches.
How Dominion Financial Services positions in Florida
Florida is well covered by national DSCR lenders, with Dominion Financial Services as one option. Where Dominion Financial Services differentiates: experienced underwriting. Where it competes: rates 9.5 to 12.5 percent against peer programs.
City-level coverage in Florida
Dominion Financial Services provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Dominion Financial Services program terms apply uniformly across Florida metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| Florida property tax | 0.9% |
| Florida state income tax | None |
Dominion Financial Services strengths in Florida
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including Florida. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Miami is the top investor market in Florida and falls within Dominion Financial Services national coverage. Miami property tax follows the Florida state rate of 0.9 percent. Dominion Financial Services typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within Tampa matters for property selection.
Dominion Financial Services applies the same rate sheet across Florida metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Miami, Tampa, and Orlando all qualify for the same Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 points.
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in Florida.
Florida allows standard DSCR prepay structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
For Florida DSCR borrowers, Dominion Financial Services is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.