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Investment property loans · Duval County, FL

Hard money, fix and flip and DSCR loans in Jacksonville, FL

Because Jacksonville merged with Duval County in 1968, investors can buy anything from historic houses near downtown to suburban homes far out in the county without leaving the city limits. In the older neighborhoods by the St. Johns River, Riverside's bungalows and Springfield's wood-frame houses lend themselves to restoration for resale or rental, while smaller older homes in Murray Hill fit buy-and-hold plans.

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Where investors buy

Neighborhoods investors look at in Jacksonville

Near downtown, most older houses date from the 1880s to about 1930: wood-frame vernacular, Queen Anne and Prairie School homes in Springfield, a dense stock of bungalows in Riverside, Mediterranean Revival homes in Avondale, and late-1920s homes in mixed styles in San Marco.
RiversideLarge houses near the river and smaller bungalows farther inland, inside a National Register district of more than 2,000 historic buildings.
AvondaleA 1920s subdivision with a more uniform, mostly Mediterranean Revival look.
SpringfieldA grid of blocks north of downtown with mostly two-story wood-frame houses built from about 1885 to 1930, some re-sided over the years with aluminum, vinyl or asbestos siding.
Murray HillSmaller, older homes in brick, wood and stucco on the Westside next to Riverside and Avondale, outside any designated historic district.
San MarcoA late-1920s neighborhood across the St. Johns River from downtown, built around San Marco Square.

Loan programs

Loans for Jacksonville real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Jacksonville

30-year loans for Jacksonville rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Jacksonville

Buy and renovate in Jacksonville with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Jacksonville

Close quickly on a Jacksonville property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Jacksonville

Financing for new builds in Jacksonville, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Jacksonville

Financing for Jacksonville apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Jacksonville

Local rules and costs that change a deal's numbers or closing date in Jacksonville and Duval County. Sources are listed at the bottom of the page.
  • Confirm which government applies: Atlantic Beach, Neptune Beach, Jacksonville Beach and Baldwin kept their own governments after consolidation, so permits and local rules there differ from the rest of Duval County.
  • Check the flood zone, especially near the St. Johns River, which flooded to record levels during Hurricane Irma in 2017. In a FEMA Special Flood Hazard Area, a rehab costing 50% or more of the structure's market value generally triggers new-construction flood standards.
  • If the policy will come from Citizens, plan for a required flood policy: Citizens home policies that include wind coverage already need one in high-risk flood zones or at a dwelling value of $400,000 or more, and all of them will from January 1, 2027. Condo unit-owner and renter policies are exempt.
  • Budget for Florida's documentary stamp tax on the deed, 70 cents per $100 of the price in Duval County.

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Have a Jacksonville property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Jacksonville: common questions

Do you offer hard money loans in Jacksonville?

Yes. United Lending LLC offers private real estate financing for investors in Jacksonville and the rest of Duval County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Jacksonville?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Riverside, Avondale and Springfield, among other parts of Jacksonville.

How much can I borrow for a Jacksonville flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Jacksonville?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Jacksonville or have a Florida LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Florida, your loan officer will tell you what's needed before closing.

Florida

More places we lend in Florida

Sources (6)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. Wikipedia: Jacksonville, Florida (consolidation, flooding)
  2. FEMA: substantial improvement and substantial damage
  3. Citizens Property Insurance: flood insurance requirement
  4. Fla. Admin. Code R. 12B-4.012: documentary stamp tax rate
  5. Wikipedia: Springfield (Jacksonville)
  6. Wikipedia: Riverside (Jacksonville)