Capital Kings brokers 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.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Florida
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Florida flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Florida buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Florida growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Florida
Active lending across Florida's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Florida before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Florida Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
7-day flip closes statewide
DSCR for short-term rentals (Airbnb / VRBO) using projected income
Condo financing including warrantable & non-warrantable
New construction in growth corridors
Insurance-aware underwriting for hurricane zones
Common Questions
Florida Lending FAQ
Do you lend hard money loans in Florida?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Florida through our 350+ lender network. We close Florida deals in as little as 7 days.
What cities in Florida does Capital Kings lend in?
We broker 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 broker 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?
It depends on the deal. Most Florida hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Florida Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Florida deal we close.
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.
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.
Broker, Not a Lender