FL license #TODO
Why Florida files look different
Our office is at 2450 Hollywood Blvd, Suite 503, Hollywood, FL 33020. Hollywood sits between Miami-Dade and Palm Beach, which means a lot of the files we see are condos, 2–4 unit buildings, and short-term rentals — plus self-employed borrowers in trades, medicine, hospitality, and agencies.
A Florida condo is not just an address. Lenders want HOA documents, insurance, and a read on special assessments. Buildings with deferred maintenance or rental caps can stall a DSCR purchase even when the rent number looks fine on a spreadsheet.
Short-term rentals
Miami, Fort Lauderdale, Tampa, Orlando, and the Keys all have investor demand for short-term units. Some DSCR lenders will look at platform statements; others want a longer-term lease. We flag that before you order an appraisal so you are not surprised.
Wind, flood, and HOA master policies are property-eligibility issues, not website quotes. We do not publish insurance costs or loan payments here.
Self-employed in Florida
If the 1040 is full of write-offs and the operating account is not, bank statement loans are usually the first conversation. If the property itself is the investment, compare that with DSCR.
This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines and property eligibility. Programs and guidelines are subject to change without notice. Liberty Group Funding, Inc. is a mortgage broker and does not make loans directly.