Program highlights
- 5+ unit apartment buildings, mixed-use, retail, office, self-storage, and industrial
- Small-balance commercial from $250K up to $10M+
- Bridge, acquisition, refinance, and cash-out available
- Non-recourse and recourse options
- DSCR-driven underwriting with realistic Florida operating expense assumptions
- SBA 504 and 7(a) available for owner-occupied commercial
Who it's best for
- Multifamily investors buying 5+ unit buildings across South Florida
- Owner-users acquiring their own commercial building
- Mixed-use investors on Fort Lauderdale, Miami, or Palm Beach main streets
- Small-balance investors expanding a Florida commercial portfolio
Florida-specific
What Florida buyers should know
Florida commercial insurance — especially wind and flood — is a real underwriting driver post-2023. Joann builds insurance costs into the debt-service math from day one and coordinates with your commercial insurance broker.
Frequently asked questions
What DSCR do commercial lenders want in Florida?+
Most programs want 1.20–1.30x DSCR after realistic Florida taxes, insurance, and management costs. Some bridge programs go lower with a clear stabilization plan.
Is there small-balance commercial financing under $1M?+
Yes. Small-balance commercial is one of Florida's most active segments — Joann places these files regularly.
Can I use SBA financing for a Florida commercial building?+
If you'll occupy at least 51% of the building for your business, yes. SBA 504 and 7(a) both work well for owner-users.
Explore more Florida loan programs
Ready to talk commercial & multifamily loans?
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