Yes, conventional investment-property financing is broadly available, including in Florida. The bigger fix is the number you are shopping on. APR is a government-calculated, synthetic figure: it reduces your loan amount by certain prepaid finance charges and back-solves a rate, which makes it easy to misread and unreliable for comparing lenders. A tidy headline APR can hide points inside it. As an example, a quoted 7.01% APR is often really something like a 6.875% note rate with a couple of points buried in the costs rather than a true zero-point 7.01%. Compare the note rate against the actual cost to get it. On the Loan Estimate, look at the lender fees and the total in Box D (lender charges plus the fixed third-party items like title, escrow, and recording) alongside the rate. That shows the real trade and lets you line up two lenders honestly. One thing to expect: Fannie Mae and Freddie Mac apply loan-level pricing adjustments to investment properties, so the rate and points will run higher than an owner-occupied loan for the same borrower. That is normal, and no lender escapes it. Get a written Loan Estimate, judge it on rate versus total fees, and send it over if you want us to check whether points are hiding in that APR. Rate figures here are illustrative.