Lendai Finance for Florida investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
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 Lendai Finance positions in Florida
Within Florida, Lendai Finance competes alongside other DSCR lenders. Lendai Finance strengths: foreign-national DSCR specialist, experienced cross-border underwriting. The medium aggregate DSCR economics of Florida create demand for Lendai Finance programs in Miami and Tampa particularly.
City-level coverage in Florida
Lendai Finance provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lendai Finance 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, BRRRR, rental, bridge, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Florida property tax | 0.9% |
| Florida state income tax | None |
Lendai Finance strengths in Florida
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Florida. Lendai Finance is based in New York, NY and operates nationally.
Miami is the top investor market in Florida and falls within Lendai Finance national coverage. Miami property tax follows the Florida state rate of 0.9 percent. Lendai Finance typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from Lendai Finance. Submarket variation within Tampa matters for property selection.
Lendai Finance 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 Lendai Finance program.
Lendai Finance 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. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Florida.
Florida allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
For Florida DSCR borrowers, Lendai Finance is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Lendai Finance.