LendingOne for Florida investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
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 LendingOne positions in Florida
For Florida specifically, LendingOne fits investors who match the hard money approach. The medium cash flow profile of Florida aggregate makes it workable for LendingOne.
City-level coverage in Florida
LendingOne provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne 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, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% 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 |
LendingOne strengths in Florida
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Florida. LendingOne is based in Boca Raton, FL and operates nationally.
Miami is the top investor market in Florida and falls within LendingOne national coverage. Miami property tax follows the Florida state rate of 0.9 percent. LendingOne typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Tampa matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 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. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Florida.
Florida allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For Florida DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.