Yes, we offer no-seasoning cash-out refinance in all of Florida: No seasoning, No Income Verification, cash-out mortgage refinancing for Residential or Commercial Florida property. Our no-seasoning Florida mortgage lenders offer mortgage loans in Florida that eliminate the standard seasoning of a 6 to 12-month seasoning (waiting period) required by most Florida mortgage lenders before you can cash out or refinance a Florida property. A no-seasoning cash-out mortgage refinance gives you immediate access to cash out your equity based on today’s appraisal, rather than waiting.
No Seasoning Cash Out Refinance Florida:
- Use Today Appraised Value – No Waiting to Use Today Appriasal Value.
- Any Credit Score – Approval is based on property value, not your credit score.
- No Income Docs Needed – Options for Today: Asset Value or property cash flow, not personal income.
- No Seasoning – Use current value immediately for cash-out refinancing
- Vacant property Or Vacant Land – OK – We allow cash-out refinances without a tenant
- Short-Term Rentals – OK – Use Airbnb/VRBO income instead of long-term rents
- Probate – Inheritance – OK – Cash-out Refinance with no waiting period.
- No Minimum FICO – Credit issues, late payments, BK, FC – OK
- Foreign Nationals Welcome – Additional reserves and lower LTV required
- Interest-Only Option – 2-year balloon or 30-year fixed options.
- Non-Warrantable Condos – Up to 75% LTV
- Rural Properties Okay – Also up to 75% LTV
- NO Season Subject to underwriting – But I can usually get an approval first
NO Seasoning Florida Cashout Mortgage Video:
Highlights: No Seasoning CashOut In Florida
- NO Minimum Credit Score
- No DSCR for all 1-4 properties (includes commerical, residential, land, condos, short-term rentals & Airbnb)
- No Sourcing or Seasoning funds
- Seller financing allowed up to 90% CLTV
- No personal income check or tax returns required
- Multifamily, Mixed-use, Office, Retail, Warehouse, Self-Storage, Automotive (no DSCR under 500k loan amount)
- 30-year fixed and short-term IO options available
- Flexible Fast Underwriting Guidelines
About: NO Seasoning Florida Mortgage Lenders
| No Seasoning Florida Loan Amounts • $100,000 to $100 million • Residential & Commerical & Land |
Loan-to-Value (LTV) Ratios • Up to 80% on refinance |
| Terms • 24 months + 30-year options available • Interest-only options • Fair Rates • No prepayment penalty • Escrow may be required |
Qualification • Any credit score • No Income Options • Property must be in Florida • No corporate title required • Read More about Florida Hard Money Lenders |
Property Types: NO Seasoning Cashout
- Single-family home – Florida NO Seasoning Mortgage Lenders:
- Duplex -Triplex- Quadplex- NO Seasoning Florida Mortgage Lenders :
- Townhouse- Florida NO Seasoning Mortgage lenders:
- Manufactured home – Florida NO Seasoning Mortgage Lenders:
- Modular Home – Florida NO Seasoning Mortgage Lenders :
- Multifamily – Florida NO Seasoning Mortgage Lenders:
- Villa – Florida NO Seasoning Mortgage Lenders:
- Condos- Florida NO Seasoning Condo Mortgage Lenders:
- Commercial – Florida NO Seasoning Business Mortgage Lenders:
- Condotel or Condo Hotel – NO Seasoning Mortgage Lenders:
- Jumbo Luxury NO Seasoning Mortgage Lenders:
- Co-op Florida – NO Seasoning Mortgage Lenders:
- Non-Warrantable Condo – NO Seasoning Mortgage Lenders:
- PadSplit – Florida NO Seasoning Mortgage Lenders:
- NO Seasoning Florida Non-Resident Mortgage Lenders :
- Land – Florida NO Seasoning Land Lenders:
- Vacant Property – NO Seasoning Florida Mortgage Lenders:
Situations: No Seasoning Florida Mortgage:
- Refinance Florida past due HOA:
- Refinance Florida Lis Pendens :
- Refinance Florida Claim of lien :
- Refinance To Pay Florida Tax Lien :
- Refinance Florida Code Violations :
- Refinance Florida property Taxes :
- Refinance Florida Final Judgment :
- Buy-Out-Florida Mortgage Refinance :
- Florida Mortgage With Repossession :
- Balloon Mortgage Refinance In Florida :
- Mortgage with 30-60-90 day late payments :
- Florida mortgage with collection accounts:
- Refinance To Pay Florida Property Taxes:
- Chapter 13 – 7 Florida Mortgage Lenders:
- Refinance Balloon Mortgage In Florida:
- Refinance Florida Mortgage Divorce Buyout :
- Bad Credit Florida Commercial Business Loans:
- Bad Credit Florida Commercial Business Loans:
- Refinance Florida Mortgage While in Bankruptcy :
- Refinance Florida Department of Revenue Warrant :
- Bad Credit Florida Commercial Business Loans:
- Vacant Land Florida Cashout Mortgage Refinance:
- Refinance (ARM) Adjustable Rate Mortgage In Florida:
- Stop Foreclosure Bad Credit Florida Mortgage Lenders :
- Refinance Florida Homeowners Association Lis Pendens :
- Partial Construction Florida Bad Credit Mortgage Lenders :
- Foreign National Bad Credit Florida Mortgage Lenders :
- Bad Credit Cash Out Refinance Florida Home Listed For Sale:
Commercial: NO Seasoning Cashout Refinance:
- Bad Credit Hard Money Commerical Florida Mortgage Lenders:
- Parking lot Florida Hard Money Mortgage Lenders:
- Agricultural Hard Money Florida Mortgage Lenders:
- Car Dealership Hard Money Florida Mortgage Lenders:
- Industrial Florida Hard Money Mortgage Lenders:
- Assisted Living Home Florida Hard Money Mortgage Lenders:
- Funeral Home Florida Hard Money Mortgage Lenders:
- Multifamily Hard Money Florida Mortgage Lenders:
- HOA Mortgage Lenders In Florida:
- Vacant Land Florida Hard Money Lenders:
- Commerical Land Florida Hard Money Lenders:
- Hotel Hard Money Florida Mortgage Lenders:
- Motel Hard Money Florida Mortgage Lenders:
- Inherited Commercial Property Refinance Before Probate:
- Warehouse Florida Hard Money Mortgage Lenders:
- Stop Foreclosure Commerical Mortgage Lenders Florida:
- Finish Construction Florida Hard Money Lenders:
- Commerical Refinance Before Probate In Florida:
- Refinance Hard Money Florida Commerical Pace Loan:
- Luxury Mansion Florida Hard Money Mortgage Lenders :
- Cashout Refinace Commercial Property Listed For Sale In Florida:
- Commerical Florida Refinance Buyout Partner:
- Golf Course Florida Hard Money Mortgage Lenders:
Reasons For No Seasoning Cashout Refinance:
- No seasoning Immediate Cash-Out Mortgage Refinancing: If you purchase an investment or commercial Florida property with cash or a hard money bridge loan, a no-seasoning cash-out refinance lets you access the cash immediately after closing or after making renovations.
- Delayed Financing: A no-seasoning cash-out refinance allows all-cash buyers to cash out right after buying a property to recoup their initial investment, completely bypassing the typical 6-month seasoning wait period.
Credit Event Recovery: Certain no-seasoning programs bypass standard waiting periods after events such as bankruptcy or foreclosure, allowing for a new loan sooner. - Purchase refinances: rate/term shortly after purchase to fix seller financing or change loan terms with no seasoning.
- Cash‑out refinance: on recently acquired equity (buy‑then‑refi to access funds for rehab, taxes, legal fees)
- Rehab flips / investor bridge financing: (no seasoning, cash-out refinance after purchase to fund renovations or stabilize financing)
- Portfolio buys / investor acquisitions: (investors who acquire and immediately finance for yield or structuring)
- Estate/inheritance situations: (heirs need no seasoning, cash-out refinance soon after taking title to pay beneficiaries or taxes)
- Divorce buyouts (one spouse needs no seasoning cashout refinances immediately to buy out the other)
- Trust or entity transfers Cashout refinance after moving property into trust/LLC for estate planning.
- Cure/clear title issues: quickly cash-out refinance to pay off liens, judgments, or settle claims recorded post‑purchase.
- Replace temporary seller financing: (convert short‑term seller carrybacks into permanent financing)
- Bridge for time‑sensitive opportunities: (lock financing quickly before rates rise or market changes)
- Relocation/occupancy timing: No seasoning cash-out refinance to meet occupancy requirements or lender program timing)
- Bankruptcy Chapter 7 or 13: Cash-out refinance after discharge or dismissal of Florida bankruptcy.
- Forclosures: Cash-out refinance after purchasing or recovering from Flroida foreclosure.
NO Income – No Seasoning: For Investors:
- Cash-Out refinance is allowed, NO ownership seasoning ( even on No Income verification investor loans)
- Use the higher of the 1007 Rental Comparables or the lease to qualify on DSCR .
- For no-income verification investor loan transactions, use the highest representative score for qualifying
- Vacant properties are allowed on DSCR with proof that the property is marketed for rent.
- FTHB is allowed on DSCR up to $2 million ( 6 months reserves / 700 fico/ 12-month VOR required) – (not available on Manf/ITIN/ FN)
- RURAL LTV is now 75%
- DSCR Rate and Term now has LTV up to 80%
- Max Acres – case by case – all situations welcome.
No Seasoning Bad Credit Mortgage Lenders
| 650+ CREDIT SCORE | 75% – SFR, 1-4 Units, MixedUse, Multifamily.. |
| 650+ CREDIT SCORE | 70% – Office, Warehouse, Retail … |
| 600-649 CREDIT 60% LTV | SFR, 1-4 Units, MixedUse, Multifamily, Office, Warehouse, Retail |
| 400+CREDIT to 50% LTV | All programs and *see below |
Fast50% LTV Cashout NO Seasoning Highlights:
- No minimum FICO, no seasoning, cash-out refinance, Florida mortgage lenders.
- No seasoning requirement on BK discharges, prior foreclosures, or prior derogatory mortgage history
- Payoff of judgments, charge-offs, and/or collections not required
- No minimum trade line requirement
- Federal tax liens on a credit report must be paid, unless a confirmed payment plan
- Cannot be behind on any mortgages. Must be brought current prior to closing
No Seasoning CashOut Refinance Property Listed For Sale In Florida
• LTV based on the lesser of the lowest list price or appraised value
• Properties on market > 180 days require a credit policy exception
• 3 Year Prepayment Penalty Required
• NO Minimum Credit Score.
Short-Term NO Seasoning Cashout Qualifying Rent (Any Units)
- 70% max LTV cash-out
- C3 or better condition
- Property must be furnished
- Actual rent must be documented
- The actual rent averaged over 12 months is used to qualify
- A 20% haircut is applied to rental income
No Seasoning Florida Mortgage Lenders Risk:
- Credit & default risk- Higher default probability: borrowers who recently acquired property or funds may be speculators, overstretched, or less committed, increasing churn/default risk. Payment history not established for the property (no seasoning to prove occupancy/rental income).
- Fraud & misrepresentation- Straw‑buyer and occupancy fraud: quick flips or sudden ownership changes hide true borrower intent.Undisclosed or fabricated income/assets: rapid closings make verification more difficult and increase the risk of fraud.
- Valuation & appraisal risk-Artificially inflated comps in a rapid‑turn market (appraisal gap risk). Insufficient time for repairs/setups that affect value; post‑closing defects are more likely.
- Title & lien exposure-Recent transfers may not reflect subsequent liens, mechanic’s liens, or judgments; chain‑of‑title issues are more common. Seller carrybacks, unrecorded agreements, or undisclosed encumbrances often surface after quick turnovers.
- Investor/program eligibility- Agency/insurer seasoning rules: Fannie/Freddie, FHA, VA, and MI providers often require seasoning for cash‑out, conversions, or certain property types—noncompliance can result in repurchase or insurance denial. Florida Mortgage insurance denial or increased premiums if seasoning thresholds aren’t met.
- Liquidity & concentration risk- Loans on recently purchased properties may be correlated with market flipping; investor pools may be less stable in downturns.
- Underwriting & documentation gaps- Short timeframe can lead to incomplete verification (assets, source of funds, gift documentation) or weak third‑party validations.Higher likelihood of underwriter exceptions and manual reviews.
- Regulatory & compliance risk- RESPA/borrower‑funding/closing rule scrutiny when funds originate from atypical sources or are cycled quickly. Anti‑money‑laundering and source‑of‑funds red flags.
- Operational & reputational risk- More post‑closing claims, repurchase demands, or borrower complaints if problems surface. Title insurers or investors may require indemnities or decline coverage, delaying funding.
- Mitigations lenders use- Mortgage Florida mortgage lenders require seasoning periods (commonly 6–12 months or more for cash‑out/refi or recent purchase conversions). Tighter overlays: lower LTV, higher credit-score minimums, additional reserves.Enhanced verification: bank‑statement analysis, source‑of‑funds scrubs, occupancy verification, re‑inspection/VRM appraisals. Decline agency delivery; keep loans in portfolio or sell to specialized investors. Require title insurance with specific endorsements, escrow holdbacks, or payoff requirements for recent liens. Reject POA or remote closings, or require stricter POA language and court documentation. Bottom line: no‑seasoning loans are doable but carry amplified fraud, valuation, title, investor‑eligibility, and compliance risks, so lenders mitigate with stricter underwriting, reduced LTV, additional documentation, or by limiting to portfolio/non‑QM/hard‑money channels.
No Personal Income No Seasoning Cashout 
Product Overview:
- Occupancy: Non-owner occupied, business purpose only
- Loan Purpose: Purchase, limited cash-out (includes delayed financing), or cash-out
- Minimum FICO: 680
- Minimum DSCR: 1.00 required = Means Rent 5000 must be greater than the total mortgage payment.
- Eligible Properties: Single Family Residences, attached or detached (inc. Condo/PUD), Warrantable.
- Loan Amount: $100,000 Minimum to $3,000,000 Maximum (Cash-Out limited to $2.5M)
- Refinance Florida Property Listed for Sale on MLS in the last 12 Months:
• LTV based on the lesser of the lowest list price or appraised value
• Properties on market > 180 days require a credit policy exception
• 3 Year Prepayment Penalty Required - LTV Maximum: 80% Purchase or Limited Cash-Out; 75% Cash-Out
- Borrower Types:
1) Limited Liability Company (LLC)
2) Limited Liability Partnership (LLP)
3) Limited Partnership (LP)
4) Corporation
3) Inter Vivos Revocable Trust
Term Options 30-Year Fixed
Amortization Options: Full Amortization or Interest Only for 10 Years, amortized over remaining term
Pre-Payment Penalty: 5-Year, 3-Year, 2-Year, 1-Year, and no prepayment penalty. All declining points.
No Seasoning No Income Florida Investor Loans
Our No Seasoning No Income Verification Florida Investor Loans enable Florida real estate investors to buy or refinance properties using the current or projected rental income to qualify. These loans do not require any personal income documentation or proof of employment; instead, they are funded based on the current or projected revenue generated from the Florida rental. No Seasoning No Income verification investor loans rely on the 1007 Rent Comparables for Income Qualifying. Florida real estate Investors can qualify based on an assessment of the appraisal rent schedule. No consideration is given to the investor’s personal income.
How do you refinance an investment property with no seasoning, no income in Florida?
Use the current rental comparable or current rent to qualify with no personal income needed. Read more.
Considerations Include:
- Property Current Or Projected Income – No personal income needed.
- Credit – Sufficient credit score.
- Equity- at least 20% equity
- Collateral – must be acceptable
Appraiser’s Estimated Rental Income Highlighted In Yellow For Qualifying Income
Florida No Seasoning No Income Verification Florida Rental Income Comparables Used To Qualify
What is a DSCR Loan?
A DSCR mortgage is a way for real estate investors to get mortgage approval based on property cash flow, NOT personal income. This means your tax returns and pay stubs are not required to qualify.
DSCR stands for Debt Service Coverage Ratio. The debt service coverage ratio is the ratio of operating income available after payment of principal interest, taxes, insurance (HOA dues, etc.). In basic terms, the property’s rental income divided by the mortgage (including taxes, insurance, and HOA) = the Debt Service Coverage Ratio
Example:
Monthly rental income: = $2,500
Monthly Mortgage payment with taxes and insurance, HOA: = $2000
2,500 / 2000 = 1.25 Your DSCR = 1.25
Typically, lenders want to see a DSCR of at least 1.00
No Seasoning No Income Verification Investor Key Points
- Use the 1007 Rent Schedule above for income.
- No limit on the number of properties OK
- Close in an LLC = OK
- Designed for Investment Rental Properties = OK
- Great for Airbnb & VRBO Units = OK
- Single-family townhomes, villas, Condos, Multi-family = OK
No Seasoning No Income Verification Investor Loan Requirements
- 20% Down Payment 80% LTV Max
- Credit Scores down to NA Up 70% LTV – subject to change
- No Seasoning No Income, No Job Listed, No DTI Calculation
- No limit on the number of properties financed.
- 30-year fixed-rate options available.
- Loan amounts up to $5 million.
- Seller Concessions to 2%.
- Minimum Loan $100,000
NO SEASONING CASHOUT REFINANCE IN FLORIDA:
| 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 | 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 |
