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Hard Money Lender Florida

Florida

Florida was admitted as the 27th state. It is the most populous of the southeastern states and the 2nd most populous Southern state after Texas. Tallahassee is the capital and is situated in the northwestern panhandle. The state lies close to both the geographic and population centers of the Western Hemisphere. Florida ranks 22nd in size, 3rd in population, with over 21 million residents.

Quick Stats:

Lending in Florida

Onyx Capital Lending is actively lending in Florida and provides business-purpose financing for real estate investors statewide. We fund fix & flip, DSCR rental, bridge, multifamily, and new construction loans, with closings in as few as 14 days. Florida’s strong in-migration and year-round rental demand in markets like Tampa, Orlando, and Jacksonville continue to attract value-add and buy-and-hold investors.

Sample Deal

Orlando, FL SFR Fix & Flip: Investor purchased a distressed 3/2 SFR that needed a fast close to beat a competing cash offer. Onyx Capital Lending funded a $485,000 fix & flip loan at 70% LTV in 12 business days. No tax returns and no income verification required—approval was based on the asset, experience, and exit strategy.

Florida FAQs

Is Florida a judicial or non-judicial foreclosure state?

Florida is primarily a judicial foreclosure state, meaning most foreclosures go through the court system. Timelines vary by county and workload, but investors often plan for several months from filing to sale, depending on the case.

Which Florida markets are most common for investor deals?

Investor activity is strong across Tampa Bay, Orlando, Jacksonville, and parts of South Florida, with steady demand for both value-add rehabs and long-term rentals. SFR rentals, small multifamily, and light value-add properties are common targets due to consistent tenant demand.

How landlord-friendly is Florida for rentals and evictions?

Florida is generally considered landlord-friendly compared to many states, with a relatively streamlined process when leases and notices are handled correctly. Many non-payment cases can move quickly once the required notice periods are met, though timing depends on local court scheduling.

  • Population: 2.15 crore people
  • Median Household Income: $55,660
  • Population Density: 405.45 people/square mile
  • Median Home Sale Price: $475,000
  • Median Price to Rent: $612
  • On average, home value has gone up about 18.8% over the past year.
Map of Florida highlighted with major cities labeled (Miami, Tampa, Orlando, Jacksonville)

All our finance programs support the following investment options. For a complete list, please visit our loan program page:

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  • 22 Parsonage St, Providence, RI 02903, USA

Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states. Not available in all states.