New state reforms have stabilized the insurance market, with 17 new private insurers entering the state and a sharp decrease in policies held by the state-provided Citizens Property Insurance . Top Cities for Investment in 2026

Mortgage rates are expected to hover around 6% to 6.4% . Many investors are turning to DSCR loans , which qualify buyers based on a property's rental income rather than personal documentation.

Performance varies by "micro-market," with inland areas often offering more stability and lower insurance costs than coastal zones. How to Buy an Investment Property in Florida in 2025