Licensed & LendingHard Money & DSCR Loans in Florida
Capital Kings funds Florida real estate investors with hard money, DSCR rental loans, fix-and-flip, bridge, and ground-up construction financing. From Miami condos to Tampa flips to Orlando short-term rentals, Florida is one of our most active markets and our lender network reflects it.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Florida Deals
Florida moves on speed. Flips lose to faster buyers, STR acquisitions hinge on closing before peak season, and bridge deals on small multifamily go to whoever can underwrite quickest. Our network includes FL-specialized lenders who know hurricane-zone insurance carve-outs, condo-association requirements, and the difference between Cape Coral and Coral Gables underwriting.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Florida fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Florida buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Florida growth corridors specifically.
Active Markets
Cities We Fund Across Florida
Active lending across Florida's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Florida Investors
7-day flip closes statewide
Available statewide for Florida investors.
DSCR for short-term rentals (Airbnb / VRBO) using projected income
Available statewide for Florida investors.
Condo financing including warrantable & non-warrantable
Available statewide for Florida investors.
New construction in growth corridors
Available statewide for Florida investors.
Insurance-aware underwriting for hurricane zones
Available statewide for Florida investors.
Common Questions
Florida Lending FAQ
Do you lend hard money loans in Florida?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Florida through our 270+ lender network. We close Florida deals in as little as 7 days.
What cities in Florida does Capital Kings lend in?
We fund investor loans statewide in Florida, with active deal flow in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale and the surrounding metros.
Do you offer DSCR rental loans in Florida?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Florida on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Florida hard money loan close?
Most Florida fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Florida fix-and-flip loan?
As little as 0% down on the right deal. Most Florida hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Florida can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Florida Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Florida deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Florida deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Florida are originated by partner lenders licensed to lend in Florida. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.