If you invest in real estate in Florida, you need clear loan options that help you buy, improve, or hold property with confidence. That is why investment property mortgage programs matter. These programs offer flexible financing for residential investors, mixed-use buyers, small commercial borrowers, and fix-and-flip projects. In this guide, you will see how each program works and how these loans can help you grow your holdings across Jacksonville, St. Augustine, St. Johns County, and throughout Florida.

Florida investors today need financing that moves quickly and stays flexible. These programs are designed for that—fast approvals, simple requirements, and loan structures built for real-world investing. Below, you’ll find the four major programs, who they are best for, and what you should expect.

Commercial Loans Under the Investment Property Mortgage Programs

Commercial loans play a large role in the investment property mortgage programs offered today. These loans work well for borrowers needing financing under $500,000. There are no debt service coverage requirements, which gives buyers more freedom when purchasing commercial buildings or running an owner-occupied business. Florida small business owners often use these loans for office space, retail locations, storage units, or small service-based properties.

You can also use this program for mixed-use buildings. For stabilized mixed-use properties, a 30-year fixed option is available. When improvements are needed, a 2-year interest-only bridge is available for 1–4 unit residential investment properties. Fix-and-flip investors can also qualify for a 1-year interest-only loan to complete rehab work quickly.

These commercial loans give Florida investors the flexibility to move fast, meet deadlines, and avoid strict DSCR calculations used by other lenders.

FlexTerm Loan in the Investment Property Mortgage Programs

The FlexTerm program is one of the most popular investment property mortgage programs for long-term investors. It is built for real estate investors, self-employed buyers, and small business owners who want lower monthly payments and a steady, long-term fixed rate.

Key Features:
• Fixed rates for 30 years
• Interest-only payment options for up to 10 years
• No balloon payment
• Approval based on property value, not personal income
• A strong alternative to hard money loans

Eligible Property Types:
• Investor 1–4 units (SFR, condos, duplex, triplex, fourplex)
• Multifamily (5+ units)
• Mixed-use
• Small commercial buildings (office, retail, warehouse, self-storage, automotive)

FlexTerm works well for Florida investors wanting easier qualifying and predictable payments without short-term pressure. Many buyers in Jacksonville and St. Johns County choose this program for building rental portfolios.

ARV Pro Loan in the Investment Property Mortgage Programs

For investors who buy distressed properties, the ARV Pro program is part of the investment property mortgage programs designed for quick acquisition and renovation. It is focused on “as repaired value,” giving you the power to borrow based on the improved worth of the home, not the current condition.

Key Features:
• Funds improvements up front
• Fast closing for competitive buying
• One-year interest-only term for lower payments
• Higher loan-to-value ratios than typical hard money lenders

Property Types:
• Investor 1–4 units (SFR, condos, 2–4 units)

This program is popular with Florida fix-and-flip investors wanting fast access to money and simple terms.

Flex I/O Loan in the Investment Property Mortgage Programs

The Flex I/O program is another short-term choice in the investment property mortgage programs. It is built for investors who need a 24-month interest-only loan for purchase or cash-out refinance. There are no prepayment penalties, and the terms are simple.

Key Features:
• 24-month interest-only term
• Lower monthly payments
• Available for purchase or cash-out
• Higher LTV than hard money options

Property Types:
• Investor 1–4 units (SFR, condos, 2–4 units)

This program works well for Florida investors who want to improve a property, increase rents, or hold short-term before refinancing into a long-term option like FlexTerm.

Fast50 Loan in the Investment Property Mortgage Programs

The Fast50 loan is designed for investors with credit challenges who still hold strong equity. This program provides faster approvals and easier qualification.

Key Features:
• 50 percent loan-to-value
• Streamlined underwriting
• No ownership seasoning required
• Available as a 3-year fixed or 30-year fixed
• Improved pricing compared to FlexTerm

Property Types:
• Investor 1–4 units
• Multifamily (5+ units)
• Mixed-use
• Commercial buildings (office, retail, warehouse, storage, automotive)

Many Florida investors use Fast50 when they need quick approval, large equity release, or flexible credit treatment.

Local Focus: Helping Investors Across Florida

These investment property mortgage programs serve every type of investor across Florida. Whether you work in Jacksonville, St. Augustine, Nocatee, St. Johns, Orlando, Tampa, or Miami, these programs give you the tools to expand your portfolio, grow cash flow, and close quickly in competitive markets.

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