Owner Financing in FloridaThe Sunshine State's Best Kept Secret
Find owner financed homes across Florida - from Miami's beaches to Orlando's attractions, Tampa's growth corridor to Jacksonville's expanding market. No bank financing needed, flexible terms, and fast closings.
Owner Financed Homes by Florida City
Miami
Miami-Dade County
- • Miami Beach
- • Coral Gables
- • Aventura
- • Kendall
80+ Properties →
Orlando
Central Florida
- • Winter Park
- • Kissimmee
- • Lake Mary
- • Sanford
70+ Properties →
Tampa Bay
West Coast
- • St. Petersburg
- • Clearwater
- • Brandon
- • Sarasota
65+ Properties →
Jacksonville
North Florida
- • St. Augustine
- • Orange Park
- • Ponte Vedra
- • Fleming Island
55+ Properties →
Fort Lauderdale
Broward County
- • Hollywood
- • Pompano Beach
- • Davie
- • Pembroke Pines
50+ Properties →
West Palm Beach
Palm Beach County
- • Boca Raton
- • Delray Beach
- • Jupiter
- • Wellington
45+ Properties →
Why Choose Owner Financing in Florida?
No State Income Tax
Florida has no state income tax, leaving more money for your home payments and lifestyle.
Appreciating Market
Florida real estate consistently appreciates, making owner financed properties excellent investments.
Vacation Rental Potential
Many properties can generate rental income through vacation rentals in tourist areas.
Homestead Exemption
Save thousands yearly with Florida's homestead exemption for primary residences.
Fast Closing
Close in 7-14 days instead of waiting 30-45 days for traditional financing.
Flexible Terms
Negotiate directly with sellers on down payment, interest rates, and payment schedules.
Types of Owner Financed Properties in Florida
🏖️ Beachfront & Coastal
- • Condos with ocean views
- • Beach houses
- • Waterfront properties
- • Marina communities
🏡 Single Family Homes
- • Suburban neighborhoods
- • Gated communities
- • Pool homes
- • Golf course properties
💼 Investment Properties
- • Vacation rentals
- • Multi-family units
- • Mobile home parks
- • Commercial properties
Florida Owner Financing FAQs
Is owner financing legal in Florida?
Yes, owner financing is completely legal in Florida. The state allows sellers to finance their property sales with proper documentation and compliance with Florida real estate laws.
What are typical down payments in Florida?
Down payments in Florida typically range from 5% to 20% of the purchase price. Beachfront and luxury properties may require higher down payments, while inland properties may have lower requirements.
Can I use owner financing for a vacation home?
Yes, many Florida sellers offer owner financing for vacation homes and investment properties, especially in tourist areas like Orlando, Miami Beach, and the Gulf Coast.
How does Florida's homestead exemption work?
With owner financing, you get the deed and can apply for Florida's homestead exemption if it's your primary residence, potentially saving thousands in property taxes.
What about hurricane insurance?
You'll need to obtain homeowners insurance including windstorm coverage. This is separate from your owner financing payments and is your responsibility as the property owner.
Ready to Find Your Florida Home with Owner Financing?
Browse hundreds of owner financed properties across the Sunshine State. No banks, no delays, just direct deals with sellers.