FL Market

Commercial Real Estate
Financing in Florida

Bridge, construction, renovation, and DSCR loans for Florida investors and developers. $1M to $50M+.

Florida is one of the most active commercial real estate markets in the United States, driven by strong population growth, favorable tax policy, and a booming tourism economy. From Miami's luxury condo developments to Orlando's expanding multifamily sector, the state offers a wide range of investment opportunities.

Passy Capital works with Florida-based investors and developers to structure and place commercial real estate loans across the state. Whether you're acquiring a multifamily asset in South Florida, building ground-up in Tampa, or stabilizing a value-add property in Jacksonville, we connect you with the right lender.

Our lender network includes national and regional capital sources with deep Florida experience. We understand the nuances of the Florida market, from hurricane insurance requirements to condo association financing, and structure deals accordingly.

Florida Market Highlights

Population Growth

Florida is the fastest-growing large state in the US, adding hundreds of thousands of new residents annually.

No State Income Tax

Florida's tax-friendly environment attracts investors, businesses, and high-net-worth individuals.

Tourism Economy

Over 130 million visitors annually drive demand for hospitality, retail, and short-term rental properties.

Multifamily Demand

Strong rental demand across South Florida, Central Florida, and the Gulf Coast supports multifamily investments.

Development Pipeline

Active new construction across Miami-Dade, Broward, and Orange counties with strong absorption rates.

International Capital

Miami serves as a gateway for Latin American and European investors entering the US market.

Cities We Serve

Miami

Fort Lauderdale

Orlando

Tampa

Jacksonville

West Palm Beach

St. Petersburg

Naples

Sarasota

Fort Myers

Boca Raton

Gainesville

Property Types We Finance

Multifamily

Condominiums

Mixed-Use

Retail

Office

Industrial

Hospitality

Single Family (1-4)

Loan Programs

Bridge Loans

Short-term financing for acquisitions and repositioning.

Construction

Ground-up and heavy rehab financing with flexible draws.

Renovation / Rehab

Value-add financing for rehab and repositioning.

Fix & Flip

Fast capital for residential and small commercial flips.

DSCR / Rental

Long-term rental financing based on property cash flow.

Florida financing by asset class

Each asset class has distinct financing dynamics in Florida. Browse the asset-specific pages for market context, loan products, and FAQs.

FL · Multifamily

Florida Multifamily →

Florida multifamily financing across all 50 states and FL metros (Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale).

FL · Hospitality

Florida Hospitality →

Florida hotel financing for acquisition, repositioning, PIP, and ground-up development.

FL · Mixed-Use

Florida Mixed-Use →

Florida mixed-use property financing for ground-floor retail with apartments above, urban infill, and adaptive reuse.

FL · SFR Portfolio

Florida SFR Portfolio →

Florida single-family rental portfolio financing for buy-and-hold investors.

Florida Insights

Practical guides on commercial real estate financing in Florida.

8 min read