Island & Coastal Property Loans in Florida
Island & Coastal Property Loans in Florida
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.
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This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.