Investment and short-term rental property
DSCR loans qualify on what the property earns rather than what you earn, which is how most Florida rental purchases get done. Short-term rental income can count where the programme allows it.
10 / Florida
NMLS #2346195
Mortgage Lender in Florida
Florida is an investor's market and a retiree's market at the same time, and the loan that works for one is rarely the loan that works for the other.
What Matters Here
Lending in Florida
Every state has its own habits — who closes the file, which programs come up, and what stalls a deal. These are the ones that come up in Florida.
Insurance and condo approval
Two things stall Florida closings more than credit ever does: the insurance quote and, on a condo, whether the building is warrantable. Both are worth checking before you write an offer, not after.
Coverage
Where I Lend in Florida
Licensed state-wide — these are simply the markets that come up most. If your town is not listed, it is still covered.
Questions
Florida Mortgage FAQ
Are you licensed to lend in Florida?
Yes. Tyler Nagorski is personally licensed in Florida under NMLS #2346195, working from the CrossCountry Mortgage branch at 895 Island Park Drive, Suite 202, Daniel Island, SC (Branch NMLS #2413611). CrossCountry Mortgage, LLC (NMLS #3029) is licensed in all 50 states.
What loan programs are available in Florida?
Conventional, FHA, VA, USDA, and jumbo financing, plus the NonQM programs most lenders do not carry — bank statement, DSCR, 1099, asset depletion and WVOE. Which one fits depends on how your income is documented, not on how much of it there is.
I was turned down by another lender in Florida. Can you help?
Usually. Most lenders carry a handful of products and send a rejection when you do not fit one of them. If there is a path we will find it, and if there is not one yet we will tell you exactly what has to change and how long it should take.
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