Best Rental Strategy for Florida in 2026? What Investors Are Doing Now

Описание: In this Monday Mortgage Minute, Tom McNamara and Bruce Woodburn break down one of the hottest topics heading into 2026: real estate investing in Florida.

Investor interest is surging again, and many buyers are asking the same question — should I do short-term rentals, long-term rentals, or something in between? In this episode, we share real-world experience as investors and explain the true costs, time commitments, tax differences, and financing options behind each strategy.

If you’re considering rental property in Florida, this conversation will help you choose the right path — and avoid turning your “passive income” into a second full-time job.

In this episode, you’ll hear:
• The real difference between short-term and long-term rentals
• Why short-term rentals often make more money — but require far more work
• How mid-term rentals (like travel nurses and relocations) fit in between
• What most investors underestimate about maintenance and tenant expectations
• How property management costs impact your true net income
• Why taxes are different for short-term vs long-term rentals
• Financing options for investors, including conventional, bank statement, and DSCR loans
• How DSCR loans work and why investors love them
• Current investor interest rates and down payment expectations
• Why refinancing later can be more expensive than locking smart today
• Updates on Florida’s proposed property tax changes and what may be coming next

📲 Have questions about investing, rental strategy, or financing?
Reach out — we’re happy to help you build the right plan.

Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com
Tom McNamara, EXP Realty | 407.754-6412 | TheMcnamaraExperience.com

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CHAPTERS:
00:00 Introduction and New Year Greetings
00:21 Holiday Recap and Current Events
00:47 Resurgence in Florida Real Estate Investment
01:27 Short-Term vs Long-Term Rentals
03:47 Challenges of Short-Term Rentals
07:29 Midterm Rentals: A Viable Alternative
08:32 Financing Options for Rentals
12:10 Elimination of Property Taxes in Florida
14:56 Conclusion and Contact Information

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