Owning or developing real estate on Florida’s breathtaking islands and coastal regions presents unique opportunities—and challenges. At Commercial Loans Florida, Inc. , we specialize in financing island and waterfront commercial properties throughout the state.
Whether you’re investing in a luxury vacation rental, resort development, or retail project by the shore, we offer flexible, competitive loans tailored to your vision.
Types of Properties We Finance
We provide funding for a variety of commercial property types located on islands, barrier coasts, and waterfront areas across Florida, including:
- Vacation rental properties (Airbnb, VRBO, short-term rentals)
- Beachfront hotels and boutique resorts
- Coastal restaurants and retail centers
- Marina developments and mixed-use island projects
- Waterfront land acquisition and construction loans
Loan Programs for Island-Based Real Estate
Our specialized lending programs are built to handle the complexity of coastal real estate. Whether you're building from the ground up, buying an existing property, or refinancing a high-value asset, we’ve got you covered.
Loan options include:
- Commercial Real Estate Loans– For acquisition, renovation, or refinance
- Bridge Loans– Short-term financing to close fast or complete repositioning
- Construction Loans– From raw land to fully permitted ground-up development
- Vacation Rental Investment Loans– Specifically for short-term rental income properties
- Mixed-Use Property Financing– Ideal for retail, residential, or tourism-focused projects
Loan Highlights
- Loans from $250,000 to $30,000,000+
- Up to 80% LTV, with options for interest-only periods
- Fixed or variable rates depending on project scope
- Terms up to 30 years for stabilized properties
- Quick closings for time-sensitive purchases
Why Island Property Owners Choose Us
Lending on island and coastal property requires specialized knowledge—from elevation and floodplain risks to zoning, tourism trends, and hurricane mitigation. Our team understands these intricacies and knows how to structure loans that make sense for waterfront real estate.
Let’s Bring Your Island Vision to Life
From hospitality to luxury rental projects, we help investors secure the capital they need to succeed in Florida’s most exclusive markets.
At Commercial Loans Florida, we specialize in financing Florida’s most beautiful locations—because your island investment deserves expert attention.
Commercial Loan — Short Application
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Frequently Asked Questions
What types of properties can I finance with Commercial Loans Florida?
You can finance various types of commercial properties including vacation rentals, beachfront hotels, coastal restaurants, marina developments, and waterfront land acquisition.
What loan programs are available for island-based real estate?
Available loan programs include Commercial Real Estate Loans, Bridge Loans, Construction Loans, Vacation Rental Investment Loans, and Mixed-Use Property Financing.
What are the loan amounts offered by Commercial Loans Florida?
Loans range from $250,000 to over $30,000,000.
What is the maximum loan-to-value (LTV) ratio offered?
The maximum LTV ratio offered is up to 80%, with options for interest-only periods.
How long can I finance a property for?
Loan terms can extend up to 30 years for stabilized properties.
How can I contact Commercial Loans Florida for more information?
You can call (727) 642-1166 or email dcaceres@commercial-loans-florida.com to speak with a coastal lending expert.