SpillDeals is a free real estate deal finder for Florida investors. Every property listing is automatically analyzed with cash flow projections, cap rate, ROI grade (A through F), and house hack scenarios. Updated daily with live FL listings.

What is a good cap rate for investment property in Florida?

A good cap rate in Florida is typically 5-8% for residential investment properties. In Miami-Dade, cap rates of 5-6% are common due to high appreciation. In markets like Hialeah, Homestead, and Opa-locka, you can find 7-9% cap rates. SpillDeals grades every property A through F based on cash flow, cap rate, and ROI so you can instantly identify the best deals.

What does an A-grade property mean on SpillDeals?

An A-grade property on SpillDeals is a top-tier investment with strong positive cash flow, a cap rate above 7%, and excellent ROI relative to the market. These are the rarest deals — typically cash flowing $500+/month after all expenses including mortgage, taxes, insurance, and maintenance.

How does SpillDeals analyze properties?

SpillDeals automatically calculates monthly cash flow, cap rate, cash-on-cash return, and overall ROI for every property using current market rent estimates, property taxes, insurance, HOA fees, and a 30-year fixed mortgage at current rates. It also models house hack scenarios for multi-unit properties and FHA loan scenarios for owner-occupants.

Is SpillDeals free to use?

Yes. SpillDeals is free to sign up and use. Free users can view C, D, and F-grade properties with full analysis. Pro users ($67/month, or $39/month billed annually) unlock all A and B-grade deals — the highest cash-flowing properties in Florida — plus unlimited access, deal alerts, advanced filters, and a 7-day free trial.

What is cash-on-cash return for real estate?

Cash-on-cash return (CoC ROI) measures your annual cash flow divided by the total cash you invested (down payment + closing costs). For example, if you invested $60,000 to buy a rental and it generates $6,000 in annual cash flow, your CoC ROI is 10%. SpillDeals calculates this automatically on every property using current mortgage rates and market rent estimates.

How do I find Section 8 investment properties in Florida?

Section 8 (Housing Choice Voucher) properties in Florida are regular rental properties that accept government-subsidized tenants. To find them: filter by the Section 8 tab on SpillDeals, which shows properties where HUD Fair Market Rents in that zip code exceed the estimated market rent — meaning Section 8 can pay you above-market rent. Jacksonville, Tampa, and Miami-Dade have the strongest Section 8 rental demand.

What is a DSCR loan and how does it work for Florida investors?

A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on rental income instead of personal income or W-2s. The property must generate enough rent to cover 1.0–1.25x the monthly mortgage payment. DSCR loans are ideal for self-employed investors and those with multiple properties. Current DSCR rates in Florida range from 6.25%–7.50%. SpillDeals calculates DSCR for every property automatically.

What is the 1% rule for rental properties, and does it still work in Florida?

The 1% rule states that a rental property's monthly rent should equal at least 1% of its purchase price. For example, a $200,000 home should rent for $2,000/month. In Florida's current market (2026), the 1% rule is hard to hit in most coastal markets but achievable in Jacksonville, parts of Tampa, and smaller markets like Daytona Beach and Lakeland. SpillDeals shows the rent-to-price ratio on every listing so you can spot these deals instantly.

How often are properties updated on SpillDeals?

SpillDeals pulls live listing data from MLS and public sources daily. The scraper runs every 20–30 minutes, continuously ingesting new listings and updating prices. New properties are automatically analyzed and graded within minutes of appearing. Pro users get priority access to new listings as they hit the database.

Can I use SpillDeals to find fix and flip properties in Florida?

Yes. SpillDeals has a dedicated Flip tab that shows properties with high ARV (after-repair value) potential. The analysis estimates rehab costs, projected resale price, and profit margin on every fix-and-flip opportunity. Filter by condition, grade, and maximum renovation budget to find deals that fit your criteria.

What Florida cities have the best rental property cash flow in 2026?

The top Florida cities for rental cash flow in 2026 are: 1) Jacksonville (7.2% avg cap rate, strong rent-to-price ratio), 2) Tampa East/Sulphur Springs (6.8% cap rate, affordable duplexes), 3) Orlando/Kissimmee (6.5% cap rate, STR demand), 4) Fort Myers/Cape Coral (6.1% cap rate, post-hurricane buying opportunities), and 5) Miami/Hialeah (5.8% cap rate, strong appreciation). SpillDeals shows live deals from all of these markets.

What is house hacking and how does it work in Florida?

House hacking means buying a multi-unit property (duplex, triplex, or fourplex), living in one unit, and renting the others. The rental income covers your mortgage — often making your housing free or profitable. In Florida, FHA loans let you buy a 2-4 unit property with just 3.5% down, as long as you live in one unit. SpillDeals shows house hack scenarios on all multi-unit properties, including estimated rent from the other units and net housing cost.

SpillDeals | FL Investment Property Deals — Graded A-F

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🗺️ 31 FL markets analyzed

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Found a Grade-A Tampa duplex in under 10 minutes. It's been cash-flowing $590/mo for 4 months straight.

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Portfolio Builder · Fort Lauderdale

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The international tab surfaced a Medellín coliving deal at 19% yield. I would've never found this alone.

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Global Investor · Miami

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Buy & Hold · Sarasota

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Fix & Flip · Gainesville

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Tax Strategist · Miami

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JV Investor · St. Petersburg

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Buy & Hold · Hialeah

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Portfolio Builder · Boca Raton

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House Hacker · Clearwater

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Found a Grade-A Tampa duplex in under 10 minutes. It's been cash-flowing $590/mo for 4 months straight.

🦅

Darius M.

Buy & Hold · Tampa

★★★★★ PRO

Flip calc said I'd net $44k after reno. Closed 3 weeks ago. Came in at $46k. Scary accurate.

🐺

Brianna R.

Fix & Flip · Jacksonville

★★★★★ ELITE

House-hacking my Kissimmee triplex. Two units cover my mortgage + $200 leftover. SpillDeals found it.

🦁

Teo Vargas

House Hacker · Orlando

★★★★★ PRO

DSCR of 1.38 on a Cape Coral SFH. Lender pre-approved in 4 days. Best tool I've paid for.

🦊

Mia Fontaine

DSCR Investor · Cape Coral

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Free plan alone showed me 3 A-grade deals in Naples. Upgraded same afternoon. No-brainer.

🐯

Reece Okafor

New Investor · Naples

★★★★★ PRO

Ran 60+ properties in one session. Saved 14. Closed on 2 within 45 days. Pipeline is stacked.

🦅

Camille T.

Portfolio Builder · Fort Lauderdale

★★★★★ ELITE

The international tab surfaced a Medellín coliving deal at 19% yield. I would've never found this alone.

🦁

Isaiah Wren

Global Investor · Miami

★★★★★ PRO

Loan Hub matched me to a DSCR lender I didn't know existed. Rate came in 1.1% under my bank offer.

🐺

Nina Cruz

Buy & Hold · Sarasota

★★★★★ FREE

Grade filter is everything. A & B only. Bought my first investment property in 6 weeks on the free plan.

🦊

Jaylen Brooks

First-Time Investor · Orlando

★★★★★ PRO

Every card has ROI baked in. I deleted four different spreadsheets. SpillDeals replaced all of them.

🐯

Dominique L.

Fix & Flip · Gainesville

★★★★★ ELITE

Found an Act 60 condo in Condado through the PR section. Closing in 3 weeks. Game changer.

🦅

Marco Delgado

Tax Strategist · Miami

★★★★★ PRO

SpillRoom is worth the sub alone. Found a JV partner for my St. Pete 4-plex in the chat in 2 days.

🦁

Priya Nair

JV Investor · St. Petersburg

★★★★★ PRO

Graded 80 Hialeah properties in one evening. Identified 6 real deals. Offer accepted on #2.

🐺

Rashid Osei

Buy & Hold · Hialeah

★★★★★ ELITE

The PDF export is perfect for presenting to my silent partner. Professional, clean, instant.

🦊

Valencia King

Portfolio Builder · Boca Raton

★★★★★ FREE

I was skeptical of free tools. Then I found a duplex with $710/mo cashflow on the free tier. I'm pro now.

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Eli Moreau

House Hacker · Clearwater

🔥 Live deals across 15 FL markets · 💰 0 F-deals replaced today · ⚡ 140 properties tracked · 📍 Miami · Tampa · Orlando · Jacksonville · Fort Lauderdale · Cape Coral · Sarasota · Naples · Puerto Rico · DR · 🔄 Auto-refreshes every 20 min · 🏠 FHA · House-Hack · Fix & Flip · DSCR · International