FundLoans for Florida investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
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 FundLoans positions in Florida
The Florida lender pool for DSCR includes FundLoans among the active platforms. Florida top metros (Miami, Tampa, Orlando) see meaningful FundLoans loan volume.
City-level coverage in Florida
FundLoans provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Florida metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Florida property tax | 0.9% |
| Florida state income tax | None |
FundLoans strengths in Florida
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Florida coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Miami is the top investor market in Florida and is generally within FundLoans states not publicly disclosed footprint. Miami property tax follows the Florida state rate of 0.9 percent. FundLoans typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Tampa matters for property selection.
FundLoans 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 FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Florida.
Florida allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Florida DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.