Genesis Capital for Florida investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
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 Genesis Capital positions in Florida
For Florida specifically, Genesis Capital fits investors who match the hard money approach. The medium cash flow profile of Florida aggregate makes it workable for Genesis Capital.
City-level coverage in Florida
Genesis Capital provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital 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, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Florida property tax | 0.9% |
| Florida state income tax | None |
Genesis Capital strengths in Florida
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Florida. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Miami is the top investor market in Florida and falls within Genesis Capital national coverage. Miami property tax follows the Florida state rate of 0.9 percent. Genesis Capital typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Tampa matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Florida.
Florida allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
For Florida DSCR borrowers, Genesis Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.