Real Estate Investor & Commercial Real Estate Loans in Florida

Fix-and-Flip Loans

Florida's fix-and-flip market is active across every major metro. Miami, Tampa, Orlando, Jacksonville, and Fort Lauderdale all have consistent demand for renovated single-family and small multifamily properties. Aberdeen structures fix-and-flip loans based on the after-repair value (ARV) of the completed property — covering the acquisition and a portion of the renovation budget. We evaluate each deal on the spread between acquisition cost and ARV, the renovation scope, and the investor's exit timeline. Closings structured around your acquisition timeline, not a bank's.

Bridge Loans

Florida real estate frequently creates bridge loan scenarios — acquiring a property before permanent financing is arranged, stabilizing an asset before a refinance, covering the period between construction completion and DSCR qualification, or bridging a maturing loan while longer-term financing is negotiated. Aberdeen structures bridge loans sized correctly for the exit timeline and priced transparently so you can model the carry cost before committing.

Ground-Up Construction Loans

Florida's population growth has created sustained demand for new residential construction in markets where existing inventory cannot keep pace. Aberdeen provides construction loans for single-family infill projects, small multifamily development, and commercial ground-up construction throughout Florida. Draw structures are tied to documented construction milestones — capital releases as verified work is completed, keeping projects funded without releasing capital ahead of progress.

DSCR Rental Property Loans

Florida's rental market is among the strongest in the country. Long-term rental demand is driven by population inflow and a large workforce of hospitality, healthcare, and service industry employees. Short-term rental demand — particularly in Osceola County near Orlando's theme park corridor, in Miami Beach, and in coastal markets throughout the state — creates strong DSCR loan opportunities for investors building vacation rental portfolios.

DSCR loans qualify on the property's rental income rather than the borrower's personal income or tax returns. This makes them ideal for self-employed investors, business owners, portfolio landlords, and any investor whose personal income documentation does not reflect their actual financial strength. Aberdeen structures DSCR loans for long-term rentals, short-term rentals with documented income history, and portfolio blanket facilities across multiple Florida properties.

Speed

Florida's most competitive real estate markets do not wait for bank approval timelines. Our asset-based underwriting, nationwide lender network, and experienced funding advisors produce decisions and closings on timelines that match how deals actually happen. Fix-and-flip and bridge loans can close in as little as 7 to 14 business days for straightforward transactions.

Flexibility

Florida's investor community includes a large proportion of self-employed buyers, business owners, and portfolio operators whose personal income documentation does not reflect their financial strength. DSCR loans, bridge loans, and asset-based programs eliminate the personal income documentation barrier that conventional lending imposes.

Experience

Aberdeen has been financing Florida real estate since 2004. We understand the market dynamics of South Florida, the investor landscape of Central Florida, the commercial development activity of Tampa Bay, and the portfolio characteristics of the Jacksonville and Northeast Florida markets. That experience shapes how we evaluate deals and how we advise investors on structure before they commit.