Investment Property Loans in Florida
DSCR and conventional financing for rentals and portfolios.
Florida remains one of the top rental markets in the country. We arrange conventional investor loans and DSCR loans for single-family rentals, small multifamily, short-term rentals, and portfolios.
DSCR loans qualify off the property's income rather than personal tax returns — perfect for LLC-owned rentals and growing investors.
Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.
Highlights
DSCR loans
Qualify based on rent, not W-2s or tax returns.
Vacation & short-term rental
Airbnb/VRBO-friendly lenders that underwrite market rents or actual STR revenue.
Portfolio & blanket loans
Finance 5+ rentals under one loan with efficient structure.
Apply Now
Download the Commercial Loan Application
Download the application, complete and sign it, then email the finished PDF back to Peter Witte to get your file underway.
1. Download
Save the fillable PDF application to your device.
2. Complete
Fill it out and sign — include any requested supporting documents.
3. Email it back
Send the completed application to pwitte@360us.org.
Email your completed application to pwitte@360us.org. Do not send Social Security numbers or bank credentials over unsecured email — Peter will provide a secure upload link if needed.
How it works
Our four-step process
A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.
1. Free discovery call
Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.
2. Program shopping
We compare programs across our lender and carrier network to identify the best fit for your scenario.
3. Application & underwriting
Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.
4. Close & follow-through
We coordinate closing, then stay available for future refinances, renewals, and referrals.
Why Florida clients choose Witte Mortgage
Independent Florida broker
Not tied to one bank or carrier — we shop the market so your interests come first.
Direct access to Peter
You work with a licensed professional (NMLS #627790), not a call center rep.
Statewide Florida coverage
Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.
Transparent, honest quotes
Clear breakdowns of rate, fees, and total cost — no bait-and-switch.
Fast, responsive service
Same-day replies during business hours and evening/weekend flexibility.
Long-term relationship
Most of our business comes from repeat clients and referrals — we play the long game.
FAQs
Frequently asked questions
What DSCR do I need?+
Most programs want 1.0–1.25x; some allow 0.75x with pricing adjustments.
Can I close in an LLC?+
Yes — DSCR and most investor programs allow LLC ownership.
Commercial Lending
Related commercial lending programs
Explore other programs in this category — many clients combine or compare options before deciding.
Commercial Real Estate Loans in Florida
Owner-occupied and investor CRE financing across property types.
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Loans for apartment buildings and mixed-use residential.
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Purchase, refinance, or reposition Florida office assets.
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Retail centers, single-tenant, and mixed-retail loans.
Learn moreIndustrial & Warehouse Financing
Warehouse, distribution, and light-industrial loans.
Learn moreBusiness Acquisition Financing
Funding to acquire a business, buy out a partner, or expand.
Learn moreInvestment Property Loans available across Florida
Peter serves clients statewide. Click any market to start a conversation about your goals.
Schedule a consultation
Ready to talk about commercial lending?
Pick a time that works for you. Peter will reach out to discuss your situation and next steps.