Lending Criteria
Clear lending criteria for Florida real estate investors seeking financing for non-owner-occupied 1–4 unit residential investment properties.
Review what fits our lending box, what typically does not, and how to determine whether your deal is worth submitting for review.
Why clear criteria matter
Clear lending criteria help investors self-qualify faster, avoid wasted time, understand fit early, and move toward the right next step with more confidence.
We lend on
Geography
Florida only
Borrower Use
Non-owner-occupied only (investor-purpose deals only)
Property Type
1–4 unit residential (single-family homes, duplexes, triplexes, fourplexes)
Property Box
Under local FHA cap, under 2,800 sq. ft. per unit, max 5 bed / 3 bath, under 0.5 acre
Project Types
Fix & Flip, Bridge / Acquisition, Transitional Rental
We do not lend on
- Owner-occupied properties
- Land
- Commercial or industrial properties
- Large multifamily
- Outside-box residential deals
- Broad condo-heavy positioning
A narrow box creates clearer expectations and a more useful process for everyone.
Projects that fit best
Fix & Flip
- Distressed or outdated houses
- Value-add residential deals
- Cosmetic or moderate rehab properties
Bridge
- Fast-close acquisitions
- Timing-sensitive residential deals
- Transitional properties before refinance or resale
Transitional Rental
- Buy-improve-refinance rental strategies
- Vacant or underperforming residential assets
- Rental properties not yet ready for permanent debt
Common reasons a deal may not fit
What this means for investors
If the property clearly fits
The next step is deal submission so we can review terms and execution.
If the property is borderline
Review criteria and compare to the box, or submit for a quick fit-check.
If the deal is clearly outside the box
It is better to know early so you can find the right capital partner without wasted time.
Simple fit-check process
Review the criteria
Confirm that the property and project fall inside the Florida residential investor box.
Compare to fit examples
Use the examples on the page to evaluate whether the project matches a common lending use case.
Submit for review
If the deal appears to fit, submit it and we'll review fit and next steps.
Why clear criteria matter to serious investors
Faster yes/no clarity
Know immediately if your deal fits the box.
Stronger lender fit
Partner with a lender built for your specific strategy.
More realistic expectations
No vague promises or constantly shifting requirements.
Less wasted time
Focus on execution instead of endless lender searching.
Criteria FAQs
Think your Florida deal fits?
If your property and project align with our lending criteria, submit the deal and we'll review fit and next steps.