VS Capital Group
Florida Capital Markets

Florida Commercial Real Estate Financing

VS Capital Group originates and structures commercial real estate debt and equity across Florida, from Miami-Dade and Broward through Orlando, Tampa, Jacksonville, and the Panhandle. Population growth, in-migration, and durable rent fundamentals continue to draw institutional capital to Florida, and we work with sponsors who need lenders that understand the state's insurance, hurricane, and condo-conversion underwriting nuances.

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Florida Market

How capital markets look in Florida today.

Florida remains one of the most active CRE markets in the country. Multifamily, hospitality, industrial, and self-storage continue to attract debt funds, life companies, agency lenders, and balance-sheet banks. At the same time, insurance markets, reciprocal premium increases, and condo recertification (post-Surfside) have changed how lenders underwrite Florida assets.

We help sponsors navigate that complexity. Whether you're acquiring a value-add garden multifamily in Tampa, building a ground-up condo tower in Miami, or refinancing a flagged hotel in Orlando, we source from lenders that actively quote Florida product and understand the local cost basis, insurance load, and exit strategy.

What we finance in Florida

Our Florida book spans every asset class an institutional sponsor or developer is likely to touch. The state's mix of inbound migration, tourism, and port-driven logistics means our lender appetite is broad, but the structures vary considerably by metro and product type.

In South Florida (Miami-Dade, Broward, Palm Beach), demand is sharpest for condo construction, luxury multifamily, hospitality recapitalizations, and mixed-use development. We've placed senior construction, mezzanine, and preferred equity for sponsors building high-rise and mid-rise product, and arranged bridge debt for opportunistic acquisitions tied to lease-up and conversion business plans.

In Tampa Bay, Orlando, and Jacksonville, the deal flow tilts toward value-add multifamily, industrial, and select-service hospitality. Agency execution (Fannie Mae and Freddie Mac) is competitive on stabilized multifamily, and we run dual-track processes with debt funds when the asset is mid-renovation or hasn't yet stabilized.

  • Bridge loans for value-add multifamily and lease-up assets
  • Ground-up construction debt for multifamily, condo, hotel, and mixed-use
  • Agency permanent debt (Fannie / Freddie / HUD)
  • CMBS for stabilized cash-flowing assets
  • Mezzanine and preferred equity to fill gaps in the capital stack
  • Joint-venture equity for development and recapitalizations

Florida underwriting realities

Lenders that quote Florida deals are pricing insurance more conservatively than they did five years ago. Wind, flood, and named-storm deductibles materially affect underwritten NOI, and a poorly modeled insurance assumption can turn a clean deal into a re-trade. We work with lenders that have current Florida portfolios and benchmark insurance assumptions before quoting, so the term sheet you sign holds through closing.

Condo product has its own diligence track. Post-Surfside recertification, milestone inspection requirements, and HOA reserve studies all factor into both construction and end-loan underwriting. Inventory loans on completed but unsold units require lenders who understand absorption velocity in the specific submarket, we know which capital providers will quote and which will pass.

Representative Florida Transactions

Anonymized examples from our FL book.

Sponsor names and addresses withheld. Loan sizes, structures, and outcomes are representative of active VS Capital Group transactions.

Multifamily Acquisition
$42M
Tampa, FL
Structure
Bridge + Mezz
Outcome
Closed in 38 days
Condo Construction
$118M
Miami, FL
Structure
Senior + Preferred Equity
Outcome
Funded 2025
Select-Service Hotel
$28M
Orlando, FL
Structure
CMBS Refinance
Outcome
Closed at 70% LTV

Florida FAQ

Frequently asked questions.

Do you finance condo construction in Miami?
Yes. VS Capital Group regularly structures senior construction debt and mezzanine or preferred equity for condo projects across Miami-Dade and Broward. We work with lenders that actively quote Florida condo product and understand absorption, presale requirements, and inventory financing.
How does Florida insurance pricing affect loan underwriting?
Lenders now stress insurance assumptions more aggressively in Florida than in most other states. Wind and named-storm coverage, deductible structure, and reciprocal premium increases all factor into underwritten NOI and DSCR. We benchmark insurance assumptions with current Florida portfolio lenders before circling terms.
Can you place agency debt on Florida multifamily?
Yes. We arrange Fannie Mae, Freddie Mac, and HUD-insured loans on stabilized Florida multifamily. We compare agency execution against bank, life-company, and CMBS options before recommending a path.
What loan sizes do you handle in Florida?
We close transactions from approximately $2M to over $300M across asset classes. The right capital source depends on size, structure, and the sponsor's track record, not just the asset.

Other Markets

Active financing across the country.

TexasMichiganNorth CarolinaColorado

Discuss a Florida Transaction

Structure capital for your Florida commercial real estate deal.

Share the asset, the metro, and the closing window. A senior advisor familiar with the Florida market will reach out within one business day.

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