Florida private lending portfolio

Recent Deals

Explore representative financing scenarios across Florida, including completed homes, renovated investment properties, rental assets and commercial real estate.

Illustrative examples: The cities, loan amounts and property scenarios below were generated for this page design and are not claims that AFI funded those exact transactions. Replace them with verified closed-loan details before presenting any card as an actual funded deal.

Representative Florida scenarios

52 financing examples

Loan range$100,000 – $1,200,000
ResidentialFix & flip, bridge & DSCR
CommercialRetail, office, flex & mixed-use
CoverageFlorida markets statewide
Florida investment-property financing

Examples of transactions AFI can evaluate

Property type, value, leverage, borrower experience, renovation scope, cash flow and exit strategy can all affect the structure of a private-money transaction. Use the examples below to understand the kinds of scenarios that may fit AFI's lending programs.

Photos are illustrative. The property images below are stock photography and do not depict actual AFI collateral. When you add a verified closed transaction, replace the example details and image with accurate information.
52Representative deal scenarios
$100K+Starting illustrative loan size
$1.2MLargest illustrative amount
FloridaMarkets throughout the state
Deal gallery

Florida financing examples

Residential, rental and commercial scenarios designed to show the range of business-purpose real estate transactions a private lender may evaluate.

New Construction Fix & Flip Bridge DSCR Commercial Florida Markets
Submit a Deal
Illustrative newly renovated single-family home
Renovated

West Palm Beach, FL

Newly Renovated Single-Family Home

Illustrative loan amount$425,000
Loan typeFix & Flip
PropertyResidential
Illustrative renovated single-family home
Renovated

Orlando, FL

Renovated Single-Family Home

Illustrative loan amount$310,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed waterfront home
Completed

Fort Myers, FL

Completed Waterfront Home

Illustrative loan amount$520,000
Loan typeBridge Loan
PropertyResidential
Illustrative completed luxury residence
Completed

Palm Beach Gardens, FL

Completed Luxury Residence

Illustrative loan amount$775,000
Loan typeBridge Loan
PropertyResidential
Illustrative recently renovated home
Renovated

Winter Park, FL

Recently Renovated Home

Illustrative loan amount$680,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed rental home
Completed

Cape Coral, FL

Completed Rental Home

Illustrative loan amount$295,000
Loan typeDSCR Loan
PropertyResidential
Illustrative completed luxury residence
Completed

Boca Raton, FL

Completed Luxury Residence

Illustrative loan amount$1,150,000
Loan typeBridge Loan
PropertyResidential
Illustrative renovated bungalow
Renovated

Lake Worth Beach, FL

Renovated Bungalow

Illustrative loan amount$240,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed single-family home
Completed

Jupiter, FL

Completed Single-Family Home

Illustrative loan amount$890,000
Loan typeBridge Loan
PropertyResidential
Illustrative renovated investment home
Renovated

Sanford, FL

Renovated Investment Home

Illustrative loan amount$225,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed rental property
Completed

Delray Beach, FL

Completed Rental Property

Illustrative loan amount$615,000
Loan typeDSCR Loan
PropertyResidential
Illustrative recently renovated home
Renovated

Winter Garden, FL

Recently Renovated Home

Illustrative loan amount$455,000
Loan typeFix & Flip
PropertyResidential
Illustrative renovated single-family home
Renovated

Boynton Beach, FL

Renovated Single-Family Home

Illustrative loan amount$385,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed rental home
Completed

Lehigh Acres, FL

Completed Rental Home

Illustrative loan amount$205,000
Loan typeDSCR Loan
PropertyResidential
Illustrative completed residential property
Completed

Maitland, FL

Completed Residential Property

Illustrative loan amount$735,000
Loan typeBridge Loan
PropertyResidential
Illustrative completed estate home
Completed

Wellington, FL

Completed Estate Home

Illustrative loan amount$1,075,000
Loan typeBridge Loan
PropertyResidential
Illustrative renovated investment home
Renovated

Ocoee, FL

Renovated Investment Home

Illustrative loan amount$275,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed luxury residence
Completed

Naples, FL

Completed Luxury Residence

Illustrative loan amount$1,200,000
Loan typeBridge Loan
PropertyResidential
Illustrative completed rental home
Completed

Altamonte Springs, FL

Completed Rental Home

Illustrative loan amount$335,000
Loan typeDSCR Loan
PropertyResidential
Illustrative recently renovated home
Renovated

Riviera Beach, FL

Recently Renovated Home

Illustrative loan amount$360,000
Loan typeFix & Flip
PropertyResidential
Illustrative neighborhood retail property
Commercial

Tampa, FL

Neighborhood Retail Property

Illustrative loan amount$950,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative professional office building
Commercial

Orlando, FL

Professional Office Building

Illustrative loan amount$1,100,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative warehouse / flex property
Commercial

Fort Myers, FL

Warehouse / Flex Property

Illustrative loan amount$825,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative mixed-use commercial property
Commercial

West Palm Beach, FL

Mixed-Use Commercial Property

Illustrative loan amount$1,175,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative standalone commercial building
Commercial

Jacksonville, FL

Standalone Commercial Building

Illustrative loan amount$720,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative professional office property
Commercial

Sarasota, FL

Professional Office Property

Illustrative loan amount$640,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative neighborhood retail property
Commercial

St. Petersburg, FL

Neighborhood Retail Property

Illustrative loan amount$875,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative small commercial building
Commercial

Clearwater, FL

Small Commercial Building

Illustrative loan amount$560,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative warehouse / flex property
Commercial

Melbourne, FL

Warehouse / Flex Property

Illustrative loan amount$495,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative mixed-use property
Commercial

Fort Lauderdale, FL

Mixed-Use Property

Illustrative loan amount$1,050,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative retail / office property
Commercial

Pompano Beach, FL

Retail / Office Property

Illustrative loan amount$690,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative medical office property
Commercial

Palm Beach Gardens, FL

Medical Office Property

Illustrative loan amount$985,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative completed single-family home
Completed

Lake Mary, FL

Completed Single-Family Home

Illustrative loan amount$585,000
Loan typeBridge Loan
PropertyResidential
Illustrative recently renovated home
Renovated

Apopka, FL

Recently Renovated Home

Illustrative loan amount$265,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed investment property
Completed

Bonita Springs, FL

Completed Investment Property

Illustrative loan amount$760,000
Loan typeBridge Loan
PropertyResidential
Illustrative renovated single-family home
Renovated

Royal Palm Beach, FL

Renovated Single-Family Home

Illustrative loan amount$430,000
Loan typeFix & Flip
PropertyResidential
Illustrative renovated coastal investment home
Renovated

Daytona Beach, FL

Renovated Coastal Investment Home

Illustrative loan amount$190,000
Loan typeFix & Flip
PropertyResidential
Illustrative completed rental home
Completed

Oviedo, FL

Completed Rental Home

Illustrative loan amount$345,000
Loan typeDSCR Loan
PropertyResidential
Illustrative completed residential investment property
Completed

Hollywood, FL

Completed Residential Investment Property

Illustrative loan amount$625,000
Loan typeBridge Loan
PropertyResidential
Illustrative completed rental property
Completed

Estero, FL

Completed Rental Property

Illustrative loan amount$545,000
Loan typeDSCR Loan
PropertyResidential
Illustrative image for a Miami new construction financing example
New Construction

Miami, FL

Ground-Up Luxury Residence

A South Florida developer is planning a ground-up luxury residence in Miami and needs capital for acquisition and construction costs. This example shows how private construction financing can help move a business-purpose project from lot purchase through vertical development in Miami-Dade County.

Illustrative loan amount$1,150,000
Loan typeNew Construction
PropertyResidential
Illustrative image for a Doral commercial bridge financing example
Commercial

Doral, FL

Small-Bay Industrial / Flex Property

For a Doral investor pursuing a small-bay industrial or flex property, a commercial bridge loan can provide a faster path to closing than conventional financing. The scenario reflects the type of transitional commercial opportunity commonly seen across the western Miami-Dade market.

Illustrative loan amount$975,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative image for a Stuart new construction financing example
New Construction

Stuart, FL

Ground-Up Coastal Residence

This Stuart example centers on a coastal residential build where the borrower needs a flexible construction structure tied to project progress. It represents the type of ground-up opportunity AFI may review for experienced investors and builders working throughout Martin County.

Illustrative loan amount$685,000
Loan typeNew Construction
PropertyResidential
Illustrative image for a Port St. Lucie new construction financing example
New Construction

Port St. Lucie, FL

Ground-Up Single-Family Home

A builder in Port St. Lucie is developing a new single-family investment home and needs financing that can cover the project through construction. The deal illustrates how private money may be used for ground-up residential projects in one of St. Lucie County’s fastest-growing housing markets.

Illustrative loan amount$465,000
Loan typeNew Construction
PropertyResidential
Illustrative image for a Vero Beach fix and flip financing example
Renovated

Vero Beach, FL

Coastal Investment Home Renovation

An investor acquires an older Vero Beach property with a plan to renovate, reposition, and resell it after improvements. This sample transaction highlights a fix-and-flip strategy in Indian River County where speed, renovation scope, and projected after-repair value drive the financing structure.

Illustrative loan amount$390,000
Loan typeFix & Flip
PropertyResidential
Illustrative image for a Kissimmee DSCR rental financing example
Rental

Kissimmee, FL

Investment Rental Home

The borrower in this Kissimmee scenario is purchasing a non-owner-occupied home intended to produce rental income. A DSCR structure focuses primarily on the property’s cash flow, making it a potential fit for investors expanding rental portfolios across Osceola County and Central Florida.

Illustrative loan amount$355,000
Loan typeDSCR Loan
PropertyResidential
Illustrative image for a Lakeland commercial bridge financing example
Commercial

Lakeland, FL

Neighborhood Retail / Office Property

This Lakeland transaction involves the acquisition of a neighborhood retail and office property that needs short-term capital before longer-term financing is put in place. It is an example of how a commercial bridge loan can support an investor purchasing transitional real estate in Polk County.

Illustrative loan amount$740,000
Loan typeCommercial Bridge
PropertyCommercial
Illustrative image for an Ocala new construction financing example
New Construction

Ocala, FL

Ground-Up Rental Home

In this Ocala scenario, an investor is building a single-family home from the ground up with the intention of holding it as a rental. The financing example combines construction-stage funding with a business-purpose investment strategy in Marion County’s expanding residential market.

Illustrative loan amount$325,000
Loan typeNew Construction
PropertyResidential
Illustrative image for a Gainesville DSCR rental financing example
Rental

Gainesville, FL

Single-Family Investment Rental

A Gainesville rental investor is looking to finance a stabilized single-family property based on its income-producing potential rather than personal income alone. This example demonstrates the role a DSCR loan may play in acquiring or refinancing investment property in Alachua County.

Illustrative loan amount$415,000
Loan typeDSCR Loan
PropertyResidential
Illustrative image for a Tallahassee commercial financing example
Commercial

Tallahassee, FL

Professional Office / Mixed-Use Property

The Tallahassee example features an investor purchasing a professional office or mixed-use building for business-purpose use. Private commercial financing can be useful when a borrower needs a more flexible closing timeline or property-focused underwriting for opportunities throughout Leon County.

Illustrative loan amount$880,000
Loan typeCommercial Loan
PropertyCommercial
Illustrative image for a Pensacola private bridge financing example
Completed

Pensacola, FL

Coastal Investment Residence

A Pensacola investor is acquiring a coastal residence and needs short-term bridge financing to complete the purchase before executing the longer-term business plan. The scenario reflects a private-money structure that may fit non-owner-occupied residential opportunities in Escambia County.

Illustrative loan amount$525,000
Loan typeBridge Loan
PropertyResidential
Illustrative image for a Destin new construction financing example
New Construction

Destin, FL

Ground-Up Investment Residence

This Destin project involves the ground-up development of a higher-value investment residence along Florida’s Emerald Coast. The sample loan demonstrates how private construction capital can support experienced sponsors managing land, construction draws, and a planned sale or refinance in Okaloosa County.

Illustrative loan amount$1,050,000
Loan typeNew Construction
PropertyResidential

Have a Florida real estate deal that needs capital?

Send AFI the property, requested loan amount and project plan. The lending team can review the transaction and discuss the appropriate private money structure.

Loan programs, rates, leverage, fees and closing timelines are subject to underwriting, property eligibility, borrower qualification and change. Business-purpose financing only where applicable. *Land restrictions apply.