No Income Verification Mixed Use Mortgage Lenders:
Our Florida No Income Verification Mixed Use lenders deliver fast, equity-based financing solutions for Mixed Use investment properties, including purchases and Mixed Use bad-credit cash-out refinances—even for borrowers with bad credit. New Mixed Use Florida mortgage definition: “Mixed use” now means any use that combines multiple types of approved Florida land uses from at least two of the residential, commercial, and industrial categories — a notably broader definition than the traditional retail-plus-residential concept. Our Florida Mixed-use mortgage lenders’ definition of mixed use: A mixed-use property combines two or more different uses within the same building, development, or parcel of land. Common combinations include residential + commercial, retail + office, and hospitality + retail.
Mixed-Use Property Types for Florida Mortgage Lenders:
Commercial mortgage categories
- Mixed-use apartment buildings
- Residential units + ground-floor commercial spaces.
- Retail + residential buildings
- Stores, restaurants, or service businesses with housing.
- Office + retail buildings
- Professional offices and commercial storefronts.
- Hotel + commercial properties
- Hotels or motels with retail, restaurants, or other commercial components.
- Live-work and specialty properties
- Owner-occupied business space, workshops, and other unusual combinations.
Florida Mixed-Use Mortgage Situations Include:
- Purchase of a mixed-use property
- Cash-out refinance
- Commercial refinance
- Bridge financing
- Private mixed-use money lending
- Hard-money financing
- Owner-occupied mixed-use property
- Investor-owned mixed-use property
- Mixed-use property with vacant commercial space
- Mixed-use property with residential tenants
- Mixed-use property with a commercial tenant lease
- Mixed-use construction financing
- Mixed-use property renovation financing
- Property with zoning or code compliance issues (subject to lender requirements)
- Mixed-use property refinance with Florida code violations:
- Mixed-use bad credit cashout refinance commercial Florida mortgage lenders:
- Mixed-use property balloon mortgage commercial mortgage refinance:
- Mixed-use property adjustable-rate mortgage refinance in Florida:
Florida Mixed-Use Mortgage Lenders for a wide range of mixed property uses:
|
Florida market |
Potential Florida mixed-use examples |
|---|---|
|
Miami / Miami Beach |
Condos + retail, hotel + retail, office + apartments |
|
Fort Lauderdale |
Waterfront lodging + retail, apartments + restaurants |
|
Hollywood |
Retail + residential, office + apartments, mixed-use corridors |
|
Orlando |
Apartments + retail, hotel + entertainment, office + residential |
|
Tampa |
Multifamily + retail, office + residential, urban redevelopment |
|
Jacksonville |
Multifamily + retail, office + commercial services |
|
West Palm Beach |
Residential + retail, office + restaurants |
|
Naples / Sarasota |
Boutique lodging + retail, residential + professional offices |
|
Florida Keys |
Lodging + retail, marina + commercial services |
|
Port St. Lucie |
Neighborhood commercial + residential, retail + offices |
|
Cape Coral |
Residential + commercial corridors, office + retail |
Florida No Income Verification Mixed-Use Mortgage Requirements
| Requirements | Typical Range |
|---|---|
| Credit score | No Minimum Credit Score |
| Down payment / LTV | 20-30% down (70-85% max LTV) |
| DSCR ratio | 1.0-1.25 standard; sub-1.0 programs exist but with a real rate premium |
| Cash reserves | 3-12 months of PITIA |
| Property type | Rent-ready, income-generating investment property |
| Entity documentation | Operating agreement/articles of org if taking title in LLC (most DSCR lenders actually prefer LLC vesting for business-purpose loans) |
Mixed-Use Florida Mortgage Breakdown:
For Florida mixed-use projects under Florida’s Live Local Act, at least 65 percent of the total square footage must be used for residential purposes.
Mixed-Use Square Footage & Florida Affordability Requirements
- Residential Space: At least 65% of the total building square footage must be designated for residential use.
- Nonresidential Limit: Local governments cannot require more than 10 percent of the total square footage to be used for nonresidential (commercial/retail) purposes.
- Affordability Set-Aside: At least 40 percent of the residential units must remain affordable (for households earning up to 120% of the Area Median Income) for a period of at least 30 years.
Mixed Use Zoning & Approval Benefits
- Bypassing Local Zoning: Qualifying mixed-use projects are administratively approved without requiring zoning changes, special exceptions, variances, or comprehensive plan amendments for height and density.
- Density & Height: Mixed-use projects are eligible for the highest allowable residential density in the county and the tallest building height allowed within one mile of the site.
Mixed-Use Florida Mortgage Lenders Breakdown:
Vertical Mixed-Use Florida Mortgage Lenders: Different uses stacked within one commercial Florida building — typically retail on the ground floor, office on the middle levels, and residential on top. A full complex of residential high-rises, a hotel, a convention center, a shopping mall, and a lifestyle center is common around Naples, Tampa, Fort Lauderdale, Palm Beach, Jacksonville, Park West, and Miami.
Horizontal Mixed-Use Florida Mortgage Lenders:
Separate single-use buildings within the same development or block — apartments, office buildings, retail stores, restaurants all sharing parking, landscaping, and infrastructure but housed in distinct structures. Paseo de la Riviera (Miami) cited as a horizontal example.
Walkable Mixed-Use Florida Mortgage Lenders:
Combines both vertical and horizontal elements across a broader neighborhood scale — housing, employment, entertainment, and services all within a 5-10 minute walk. Wynwood cited as blending creative office, retail, and dining across multiple buildings using both layouts.
By Use-Combination Type
Main Street Mixed-Use
The classic small-town pattern — residential units on upper floors, commercial/retail on ground floor, typically in a town center.
Live/Work
Tenants live and work in the same building — a business on the ground floor with apartments above, or adjacent live/workspace for business partners.
Residential/Office
Primarily a commercial office building with multifamily residential coexisting — distinct from Main Street because the commercial component is office space, not retail.
Mixed-Use Hotel
Hotel plus fitness center, retail, restaurant/cafe, and entertainment space combined — connects directly to the hospitality financing conversation we had earlier, since this blends the elevated-risk hotel underwriting with more stable retail/residential income streams in one property.
Mixed-Use Asset-Based Mortgage Lenders
| No Income Verification Loan Amounts • $200,000 to $50 million |
Loan-to-Value (LTV) Ratios • Up to 70% on purchases – Up to 65% on refinance |
| Terms • 24 months, extension options available • Interest-only payments • Fair Rates • No prepayment penalty • Escrow may be required |
Qualification • Any credit score • Borrower must document ability to pay • Property must be in Florida • No corporate title required • Read More about Florida No Income Verification Lenders |
No Income Verification Bad Credit Mortgage Examples:
| Divorce Buyout | ||||
| Refinance Probate | Balloon Refinance | |||
| Refinance Probate | ||||
| Partial Construction | ||||
| Garnishment | ||||
| Student Loan Default | cash+out |
What is the Live Local Act Land Use Mandate?
Florida’s Live Local Act applies to mixed-use, commercial, and industrial zoned properties by permitting multifamily and mixed-use residential developments as allowable uses, overriding restrictive local zoning
Core Requirements for Mixed-Use
- Be an area zoned for commercial, industrial, or mixed use
- Set aside at least 40% of the residential units as affordable rental homes for households up to 120% AMI for 30 years
- Be multifamily or mixed-use, with at least 65% of the building used for residential purposes (if mixed-use)
Qualified projects are entitled to:
- Certain use, density, height, and floor area ratio allowances
- Reduced or eliminated parking requirements based on proximity to transit and nearby parking
- Administrative approval if the project meets local multifamily regulations and is consistent with the comprehensive plan (excluding density, floor area ratios, height, parking in certain cases, and land use)
Mixed-Use Florida Mortgage Frequently Asked Questions
- Located in an area zoned for commercial, industrial, or mixed-use
- 40% of residential units reserved as affordable rentals (serving households within incomes up to 120% AMI)
- Must be multifamily or mixed-use, with 65% of the total square footage for residential use (if mixed-use)
Email glazer@flhousing.org with basic information about the project. If it qualifies under the Live Local Act, we’ll follow up to add it to the general project dashboard.
No. These are proposed developments at various stages. Some may not be approved or completed, but they provide an important snapshot of trends.
Administrative approval allows a qualifying project to move forward without certain additional discretionary approvals (e.g., a land use amendment, a rezoning), as long as it meets the Live Local criteria and is consistent with the local comprehensive plan (excluding use, density, height, parking in certain cases, and floor area ratio). Local governments must post these approval expectations publicly.
The general Live Local Act Mapping Dashboard:
- Map of proposed developments using the Live Local land use mandate
- Proposed development details, such as number of units and zoning of underlying land
- Summary statistics of proposed developments, such as total number of proposed units
The Scoring Live Local Dashboard:
- Location scores of proposed projects based on access to amenities and buffers from disamenities
- Visuals of project proximity to individual amenities and buffers from disamenities
As of early 2025, the largest number of proposals have come from:
- City of Miami
- Miami-Dade County
- Miami Beach
- Hillsborough County
- Fort Lauderdale
They reflect proposed developments at various stages — from early applications to approved site plans. Not all will be built, but they provide valuable insight into how and where the law is being used.
Suitability is based on:
- Proximity to amenities (like schools, grocery stores, parks, transit, healthcare)
- Buffers from disamenities (like flood zones and industrial areas)
- Employment access (job availability, density, and diversity)
Each site is scored using a comprehensive point system calculated from public datasets.
- Most projects are in suitable areas — close to key services and amenities; some projects lack transit access.
- Many projects are near industrial uses, yet a closer study of sample projects with top and bottom location scores shows that most nearby industrial uses are unlikely to harm health and safety of nearby residents or have likely converted to non-industrial uses; this requires further study across all the proposed developments.
- Modest policy changes could improve outcomes.
- The land use mandate is mainly being used in South Florida — over half of the tracked projects are in Miami-Dade County.
Currently, local governments have limited ability to restrict the use of the Live Local land use mandate. However, under current law, other than policies aimed at the mandated entitlements (e.g., density, height, floor area ratio, parking in certain cases, and administrative approval) and additional limitations stated in the Act, Live Local land use projects still must comply with all other state and local laws – this includes setback requirements, open space, concurrency, and environmental regulations.
Mixed Use Florida Property Types Include:
-
Car Dealership: No Income Verification Florida Mortgage Lenders:
New and Used Florida Car Franchised Dealerships are affiliated with manufacturers. These high-end facilities feature modern showrooms, service bays, and large display lots, often built with durable materials such as concrete and steel. Independent Florida Car Dealership Used Car Dealerships: Typically smaller, focus on used Florida car vehicle sales, and may have smaller showrooms or repurposed buildings. Florida Car Dealership Auto Service Centers/Repair Shops: Specialized Florida car dealership examples include Prestige Imports, known for Lamborghini, Pagani, Lotus, and high-end pre-owned cars. Motorsports focuses on exotic brands, 2-door convertibles, and spiders. Specializes in new/used luxury vehicles, including Bentley, BMW, and Rolls-Royce. Fort Lauderdale Collection (Pompano Beach): Focuses on luxury brands like Bentley, Ferrari, and Mercedes-Benz. Limited Spec Automotive (Miami): Focuses on high-end, rare, and customized automobiles. Franchised dealership properties designed for maintenance, tire service, or repairs. Examples include: Jiffy Lube, Midas Collision Repair, Car Dealership, Body Shops: Industrial-retail hybrid spaces designed for heavy repair and painting. Auto Auction Car Dealership Large-acreage properties designed for inventory staging, inspection, and high-volume vehicle transactions. Specialty Car Dealership City Center Showrooms: Smaller, tech-focused showrooms, often located in urban centers, designed for brand experiences like Tesla and Mercedes-Benz. Florida Auto Parts Stores: Retail-focused automotive spaces.
-
Self Storage: No Income Verification Florida Mortgage Lenders:
Florida Self-storage facilities are Mixed Use properties where people can rent individual storage units to store their personal belongings, such as furniture, clothes, and other items. These facilities typically offer a range of unit sizes, security measures, and amenities, such as climate control and 24-hour access. Florida Self-storage Indoor Florida No Income Verification lenders lend on units that include Hallway Units: located inside a building, providing extra security and protection from outdoor elements. Flroida Self-storage Vehicle Storage: Dedicated spaces for cars, boats, or RVs, which can be uncovered (paved/gravel), covered, or fully enclosed. Self-storage Drive-Up Units: The most common type of Florida self-storage facilities offering direct vehicle access, similar to a garage, ideal for quick loading and unloading. Self-storage Climate-Controlled Units: Enclosed units that regulate temperature and humidity to prevent damage to sensitive items like wooden furniture, electronics, or artwork.Storage Lockers: Smaller, often vertical, units suitable for smaller items.
-
Mobile Home Park: Florida No Income Verification Mortgage Lenders:
Florida Mobile Home Park No Income Verification Lenders make loans to owners and operators, including RV park model resorts, to deliver smart, strategic No Income Verification loans with creative financing options and specialized programs. With deep industry insight and flexible underwriting, we offer what few mobile home park No Income Verification financing companies can. Florida Mobile Manufactured Home Parks with Land-Lease, including Rental Mobile Manufactured Home Parks: No Income Verification Florida mortgage lenders finance all types of manufactured home parks in Florida where residents own their Florida manufactured home but pay monthly rent for the lot (land) to a park owner. Florida Mobile Home Resident-Owned Communities (ROCs), including Co-ops: A community owned collectively by the Florida mobile home residents. Residents hold shares in the corporation that owns the land of the Mobile Manufactured Home Parks, providing greater stability and security. No Income Verification Loan For Mobile Manufactured Home Parks with 55+ Communities, including Active Retirement Mobile Manufactured Home Parks, and Age-restricted parks designed for seniors, often offering amenities like clubhouses, organized activities, and specialized security. Mobile Home All-Ages including Family Communities: Florida Mobile Manufactured Home Parks Open to all residents, typically offering family-friendly amenities such as playgrounds, swimming pools, and sports courts. Mobile Home Luxury including Upscale Communities: Specialized parks featuring modern landscaping, high-end amenities, and updated infrastructure to attract higher-income residents. Mobile Manufactured Home Parks with Subdivisions, including a specific type of community where residents own both their Florida home and the lot it sits on, are often managed by the Florida Homeowners Association (HOA).
-
Gas Station: Florida No Income Verification Mortgage Lenders:
Our Florida Gas Station No Income Verification Florida Mortgage Lenders lend on Gas Stations with or without the convenience store, gas station, or fuel. Florida No Income Verification gas station mortgage lenders provide fast, asset-based financing for acquisitions, renovations, or refinancing, typically offering 65%-75% LTV, 12-36 month terms, and No Income Verification gas station rates can range. These No Income Verification Florida gas station loans are ideal for fast cash-out when traditional financing is too slow or unavailable, often requiring first- or second-liens on a Florida gas station. No Income Verification Florida mortgage lenders designed for Florida and gas stations with businesses with little to no financials, underperforming sites, and Florida gas locations that require a fast close. Our No Income Verification Florida mortgage lenders offer private money, a totally different type of financing. In years past, it was strictly based on the collateral value of the gas station, convenience store, or truck stop. No credit was given for goodwill, and full value was not usually given for equipment, either. The most common type of Florida gas station features a retail store selling food and beverages alongside fueling pumps. Florida No Income Verification loans for Florida Gas Stations with Truck Stops, including larger, high-volume properties designed for Mixed Use trucks and travelers, often include diesel lanes, truck parking, showers, and restaurants. Service Gas Stations with Repair Stations and Florida Gas Stations that are older models, focusing on vehicle repair and maintenance (bays), along with Gas Stations’ fuel sales. Unmanned Gas Station Cardlock Stations Gas Station Automated stations specializing in Mixed Use fleet fueling with no convenience store. QSR Fueling Centers Gas Station Modern, high-performance sites integrated with quick-service restaurants (e.g., Wawa, Sheetz).
- Residential Investment No Income Verification Florida Mortgage Lenders – Residential investment properties include Florida single-family homes, condominiums, townhouses, and multi-family units (duplexes, triplexes, apartment buildings) that generate rental income or capital appreciation. Other options include Florida vacation rentals, house flipping (fixer-uppers), and co-ops, offering varied strategies from long-term hold to rapid resale.
- Multifamily No Income Verification Florida Mortgage Lenders – Florida multifamily properties are residential structures with multiple housing units, ranging from small-scale duplexes/fourplexes to large apartment complexes, categorized by size, structure, and asset class (A, B, C). Common types include Florida garden-style apartments, mid-rise/high-rise buildings, Florida townhouses, condominiums, and mixed-use developments
- Hotels No Income Verification Florida Mortgage Lenders – Hotel property types are classified by Florida service level, location, target market, or size, ranging from Florida luxury full-service resorts to budget-friendly motels and extended-stay suites. Common Florida hotel types include boutique hotels, business hotels, resorts, hostels, and specialized lodging such as B&Bs, capsules, and vacation rentals tailored to specific traveler needs.
- Apartments No Income Verification Florida Mortgage Lenders – Apartment property types vary by Florida building structure, unit layout, and market class, ranging from high-rise luxury units to low-rise garden apartments. Common Florida apartment types include studios, lofts, penthouses, and convertible units, often categorized by building height or specialized uses such as student or senior housing.
- Vacation Homes No Income Verification Florida Mortgage Lenders – Types of Florida Vacation Rental Properties include: · Villas · Houses · Apartments · Cabins · Bungalows · Chalets · Cottages · Condominiums – Lakefront Homes with Private Docks · Luxury Florida Villas with Resort-Style Amenities · Mountain Cabins with Scenic Views · Beachfront Florida Properties
- Condominiums No Income Verification Florida Mortgage Lenders- Condominiums in Florida vary by structure and ownership, ranging from high-rise, mid-rise, and low-rise buildings to Florida townhouse-style units and detached homes. They primarily operate under freehold (complete ownership of the unit) or leasehold (when the land is leased) condo structures, typically managed by a Florida Homeowners Association (HOA)
- Retail No Income Verification Florida Mortgage Lenders- Shopping Centers, Strip Malls: Smaller, often linear centers with front-facing parking, dry cleaners, nail salons, and takeout restaurants, grocery stores, pharmacies, Malls: Enclosed, often multi-level centers, department stores, extensive retail, food courts, and entertainment. Lifestyle Centers: Upscale, open-air centers that combine retail with entertainment, dining, and aesthetic design. Factory Outlets: Centers comprising manufacturer-direct retail spaces. Single-Tenant/Freestanding Retail: Freestanding, single-tenant Florida buildings are often occupied by national brands, pharmacies, or fast-food restaurants. Street Retail/Storefronts: Individual, high-visibility storefronts usually in urban areas. Specialty/Theme Centers: Centers with a specific focus, such as tourism-oriented, luxury, or entertainment-based, like Theme Centers. Florida Kiosks and In-Line Retail: Small, specialized retail areas of shopping centers
- Mixed-Use No Income Verification Florida Mortgage Lenders- a mix of housing residential options, office spaces, retail stores, restaurants, entertainment venues, and public spaces. Vertical Mixed-Use, including A single building, often with retail/restaurants at ground level, offices on lower floors, and apartments or condos on upper floors. Horizontal Mixed-Use: Several adjacent buildings designed together to offer different services (e.g., a mix of residential, office, and retail structures on one site). Live-Work Units, including Specialized spaces designed for residents to live and work in the same unit, are often used by artists or creative professionals. Main Street/Retail-Residential, including Traditional developments featuring high-density housing directly above local retail shops. Transit-Oriented Development (TOD): Mixed Use, residential, and recreational spaces built directly around public transit stations to minimize car dependency. Hospitality, including Mixed-Use, including Hotels that include Mixed Use components like cafes, fitness centers, or luxury residential units. Live-Work-Play Communities, including Larger, master-planned developments or retrofitted areas featuring housing, offices, retail, and entertainment in one.
- Office Building No Income Verification Florida Mortgage Lenders – Make loans on Mixed Use property designed for business, administrative, or professional work, housing companies, organizations, or individual workstations. These structures typically feature multiple floors with a mix of private offices, open-plan workspaces, meeting rooms, and common areas, commonly situated in business districts
- Special-Use No Income Verification Florida Mortgage Lenders – Make loans on Florida properties that include: Special-use properties are unique Florida real estate assets designed for a specific, singular purpose, making them difficult to convert for other uses. These Florida properties often have limited marketability, specialized layouts, and unique valuation challenges (often using the cost approach). Examples of special-use properties include religious buildings, hospitals, schools, theaters, gas stations, and amusement parks
- Assisted Living No Income Verification Florida Mortgage Lenders – Assisted Living Residences/Apartments: Assisted Living Dedicated rental properties including Assisted Living apartments, studios that provide daily meals, housekeeping, laundry, and 24/7 staff support for Activities of Daily Living (ADLs). Assisted Living Residential Care Homes Board and Care Small residential Assisted Living homes in neighborhoods that provide a family-like setting, offering care for a limited number of residents. Assisted Living Memory Care Units with Secured environments within a larger community or specialized standalone Assisted Living facilities designed for residents with Alzheimer’s or dementia, focusing on safety and specialized programming. Continuing Care Retirement Communities (CCRCs): These allow residents to remain in the same community as they transition from independent living to assisted living or skilled nursing as their needs increase. Assisted Living Active Adult Communities 55+ While not providing care services, these are Assisted Living age-restricted residential communities that focus on maintenance-free living and recreational amenities.
- Automotive No Income Verification Florida Mortgage Lenders – Automotive Retail/Parts Stores, including Automotive Retail space tailored for selling vehicle parts and accessories. Automotive Industrial/Flex Space used for manufacturing parts or auto customization. Vehicle Dealerships Automotive Dedicated sales lots with showrooms and repair bays for new or used vehicles. Auto Repair/Service Centers Automotive Facilities designed for maintenance, oil changes, and tire services, often featuring lifts and service bays. Automotive Collision Body Shops, including Specialized sites equipped to paint and repair vehicles after accidents. Car Washes & Gas Stations: High-traffic retail locations often featuring drive-through, automated, or self-service bays.
- Industrial No Income Verification Florida Mortgage Lenders – Bulk Industrial Distribution Warehouse: Large facilities ( SF) designed for storing and shipping, often used for e-commerce and regional logistics. General Warehouse Industrial Primarily used for storage of goods, often with lower clear heights than distribution centers. Light Assembly/Manufacturing: Smaller, often multi-tenant spaces used for assembling products, typically requiring less power and heavy machinery. Heavy Manufacturing: Specialized buildings with heavy-duty power and infrastructure designed for large-scale production, fabrication, or raw material processing. Flex Space Industrial Versatile, hybrid space combining office, showroom, or R&D space with a smaller warehouse/manufacturing component. Cold Storage/Refrigerated Space: Specialized, temperature-controlled facilities used for food, pharmaceutical, or chemical storage. Truck Terminal Industrial Focused exclusively on logistics, allowing for quick unloading and reloading of goods for transport, with minimal storage space. Data Centers Industrial Highly specialized, secure, and powered facilities housing servers and telecommunications equipment.
- Rental Portfolio No Income Verification Florida Mortgage Lenders – Includes Single-Family Homes. Multi-Family Properties (Duplexes, Triplexes, Apartment Buildings), Office Buildings. Retail Spaces (Shopping Centers, Strip Malls) Industrial Properties (Warehouses, Manufacturing Facilities) Hospital No Income Verification Florida Mortgage Lenders Marina No Income Verification Florida Mortgage Lenders Senior Housing No Income Verification Florida Mortgage Lenders
What is a Florida No Income Verification Lender?
A Florida No Income Verification lender is a private money lender that offers financing options for Mixed Use real estate investors in almost every county in Florida. This includes private Florida Mixed Use loans in popular investment locations such as Miami, Tampa, Jacksonville, Palm Beach, Fort Lauderdale, Clearwater, Naples or anywhere else in Florida.
Whilst a private Florida No Income Verification lender can be a friend or family member, generally they are ‘No Income Verification lenders’ or firms that lend private money as opposed to government-backed securities. Our Florida private Mixed Use lenders provide a range of short-term financing solutions, including Mixed Use bridge loans, non-recourse bridge loans, and multifamily cash-out refinance options. These loans are usually secured by property and are used to purchase and renovate an investment property. Accordingly, they are ideal for fix-and-flip investors, short-term project investors, and buy-and-hold investors.
Why Choose a Florida No Income Verification Lender?
Whether you’re just starting out or looking to expand your real estate investment portfolio, choosing to partner with a nationwide Mixed Use No Income Verification lender can be a strategic move with great rewards. By working with someone who has expertise in multiple locations and the ability to lend in multiple locations, you’ll be able to work with that same partner on purchases across the country. Accordingly, you’ll be able to grow and diversify your property portfolio without having to find a new No Income Verification Mixed Use real estate lender in each state or city you want to invest in.
Florida Mortgage Lenders is a leading provider of Mixed Use No Income Verification loans for land and vacant property in Florida. Our Florida land loans are ideal for properties ranging from a few hundred square feet to large-acreage purchases. We strive to provide you with the service you need, including quick-closing loans for property that government-backed Florida mortgage lenders may not be able to assist with.
No Income Verification Florida Mixed Use Areas:
| Alachua | Alachua County |
| Alford | Jackson County |
| Altamonte Springs | Seminole County |
| Altha | Calhoun County |
| Anna Maria | Manatee County |
| Apalachicola | Frankin County |
| Apopka | Orange County |
| Arcadia | DeSoto County |
| Archer | Alachua County |
| Astatula | Lake County |
| Atlantic Beach | Duval County |
| Atlantis | Palm Beach County |
| Auburndale | Polk County |
| Aventura | Miami-Dade County |
| Avon Park | Highlands County |
| Bal Harbor | Miami-Dade County |
| Baldwin | Duval County |
| Bartow | Polk County |
| Bascom | Jackson County |
| Bay Harbor Islands | Miami-Dade County |
| Bay Lake | Orange County |
| Bell | Gilchrist County |
| Belle Glade | Palm Beach County |
| Belle Isle | Orange County |
| Belleair | Pinellas County |
| Belleair Beach | Pinellas County |
| Belleair Bluffs | Pinellas County |
| Belleair Shore | Pinellas County |
| Belleview | Marion County |
| Beverly Beach | Flagler County |
| Biscayne Park | Miami-Dade County |
| Blountstown | Calhoun County |
| Boca Raton | Palm Beach County |
| Bonifay | Holmes County |
| Bonita Springs | Lee County |
| Bowling Green | Hardee County |
| Boynton Beach | Palm Beach County |
| Bradenton Beach | Manatee County |
| Bradenton | Manatee County |
| Branford | Suwannee County |
| Briny Breezes | Palm Beach County |
| Bristol | Liberty County |
| Bronson | Levy County |
| Brooker | Bradford County |
| Brooksville | Hernando County |
| Bunnell | Flagler County |
| Bushnell | Sumter County |
| Callahan | Nassau County |
| Callaway | Bay County |
| Cambelton | Jackson County |
| Cape Canaveral | Brevard County |
| Cape Coral | Lee County |
| Carrabelle | Frankin County |
| Caryville | Washington County |
| Casselberry | Seminole County |
| Cedar Grove | Bay County |
| Cedar Key | Levy County |
| Center Hill | Sumter County |
| Century | Escambia County |
| Chattahoochee | Gadsden County |
| Chiefland | Levy County |
| Chipley | Washington County |
| Cinco Bayou | Okaloosa County |
| Clearwater | Pinellas County |
| Clermont | Lake County |
| Clewiston | Hendry County |
| Cloud Lake | Palm Beach County |
| Cocoa | Brevard County |
| Cocoa Beach | Brevard County |
| Coconut Creek | Broward County |
| Coleman | Sumter County |
| Cooper City | Broward County |
| Coral Gables | Miami-Dade County |
| Coral Springs | Broward County |
| Cottondale | Jackson County |
| Crawfordville | Wakulla County |
| Crescent City | Putnam County |
| Crestview | Okaloosa County |
| Cross City | Dixie County |
| Crystal River | Citrus County |
| Dade City | Pasco County |
| Dania Beach | Broward County |
| Davenport | Polk County |
| Davie | Broward County |
| Daytona Beach | Volusia County |
| Daytona Beach Shores | Volusia County |
| DeBary | Volusia County |
| Deerfield Beach | Broward County |
| DeFuniak Springs | Walton County |
| DeLand | Volusia County |
| Delray Beach | Palm Beach County |
| Deltona | Volusia County |
| Destin | Okaloosa County |
| Doral | Miami-Dade County |
| Dundee | Polk County |
| Dunedin | Pinellas County |
| Dunnellon | Marion County |
| Eagle Lake | Polk County |
| Eatonville | Orange County |
| Ebro | Washington County |
| Edgewater | Volusia County |
| Edgewood | Orange County |
| El Portal | Miami-Dade County |
| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs* | Gilchrist County |
| Fanning Springs* | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
| Fort Walton Beach | Okaloosa County |
| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
| Fruitland Park | Lake County |
| Gainesville | Alachua County |
| Glen Ridge | Palm Beach County |
| Glen Saint Mary | Baker County |
| Golden Beach | Miami-Dade County |
| Golf | Palm Beach County |
| Golfview | Palm Beach County |
| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
| Greenacres | Palm Beach County |
| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
| Gretna | Gadsden County |
| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
| Gulf Stream | Palm Beach County |
| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
| Highland Beach | Palm Beach County |
| Highland Park | Polk County |
| Hillcrest Heights | Polk County |
| Hilliard | Nassau County |
| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Hollywood | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| Indian Harbour Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key* | Sarasota County |
| Longboat Key* | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland* | St. Johns County |
| Marineland* | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami Florida | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
