Southeast · Multifamily · First lien
Multifamily hard money loans in Florida.
First-position multifamily loans across Florida — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Multifamily Market Outlook 2026
A structured view of the developments shaping multifamily—and the situations those developments may create for owners, lenders and investors.
Florida market context
The economy behind the collateral.
Florida's economy is anchored by tourism, international trade through its port and airport network, and a growing base of finance and technology firms relocating to the state, alongside significant retirement and second-home housing demand.
- Tourism and hospitality
- International trade and logistics
- Financial services
- Aerospace
- Healthcare
- Agriculture
Multifamily underwriting
What we look at first.
- Trailing rent roll, collections and concessions
- Unit condition and the real cost of turns and deferred capex
- Expense load — insurance, taxes, payroll and utilities
- Submarket rents and competing new supply
- Sponsor's operating track record and management plan
Situations
Multifamily loans we see in Florida.
- Floating-rate bridge loans maturing before the property is ready for agency debt
- Acquisitions of underperforming communities with a renovation plan
- Lease-up after a renovation or new delivery
- Partnership disputes that require a buyout
Selling a multifamily property in Florida? Stokley also buys real estate as a principal. Submit it for acquisition.
Florida metros
Local lending pages.
We lend across Florida, not only in these metros. Each page covers the local economy and a direct request form.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Florida multifamily loan request.
Questions
Florida multifamily loans, answered.
- Does Stokley Capital make multifamily loans in Florida?
- Yes. We make first-position multifamily hard money and bridge loans throughout Florida, including Miami, Tampa, Orlando, Jacksonville and smaller markets.
- How large are your Florida multifamily loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Florida multifamily loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Other property types in Florida
Multifamily loans nearby
Next step
Financing multifamily in Florida?
Send the property, amount and deadline. A principal will respond directly.