Current Florida Commercial Mortgage Rates

Indicative rate ranges across every major commercial real estate loan program active in Florida — updated weekly based on direct feedback from our 500+ lender network.

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Loan Program	Rate Range	Leverage	Term	Notes
Bridge Loans	7.5–9.5%	70–80% LTV / 75% LTC	12–36 months	Linton Global Capital direct program available. Best for value-add, lease-up, repositioning, and distressed.	Learn →
SBA 504 (Owner-Occupied)	6.0–6.5%	Up to 90%	25 yr fixed (SBA debenture)	Below-market fixed rate. $5.5M max. Requires 51% owner-occupancy.	Learn →
SBA 7(a)	10.0–12.0%	Up to 90%	Variable (Prime + 2.25–4.75%)	Most flexible SBA program. Combines real estate + business acquisition + working capital.	Learn →
Agency Multifamily (Fannie / Freddie)	5.8–6.5%	Up to 75%	5 / 7 / 10 / 12 / 15 yr	Dominant FL multifamily program. Non-recourse. Fannie DUS + Freddie Optigo / SBL networks.	Learn →
HUD 223(f) Multifamily	5.5–6.0%	Up to 85%	Up to 35 yr	Lowest rates + longest amortization in CRE. 6–9 month process. Best for long-term hold.	Learn →
HUD 221(d)(4) Construction	5.8–6.2%	Up to 85% LTC	Construction + 35 yr perm	Single-closing construction-to-perm. Best for affordable housing and long-term holders.	Learn →
CMBS / Conduit	6.8–7.5%	Up to 75%	10 yr fixed (balloon)	Non-recourse subject to bad-boy carve-outs. Yield maintenance or defeasance prepay.	Learn →
Life Company (Trophy / Stabilized)	5.7–6.5%	55–65%	7 / 10 / 15 / 20 / 25 yr	Strongest pricing for trophy assets. Lower leverage, longer terms, non-recourse.	Learn →
Construction (Bank Balance Sheet)	7.5–9.5%	60–65% LTC	18–36 months	SOFR + 275–400 bps. Often recourse for relationship borrowers.	Learn →
Construction (Non-Bank / Debt Fund)	9.0–11.5%	Up to 75% LTC	18–36 months	SOFR + 400–600 bps. Higher leverage, more flexibility. Often non-recourse.	Learn →
Hard Money / Private	10.0–14.0%	Up to 70%	12–24 months	Fast close (7–21 days possible). Asset-based. Distressed and story-credit friendly.	Learn →

Rate & Lending Disclosure
Interest rates, loan terms, leverage levels, and pricing references shown on this page are estimates only, based on current Florida commercial real estate market conditions and lender feedback as of the page's last update. They are not commitments to lend, are not loan approvals or pre-qualifications, and do not guarantee any specific loan terms or that financing will be available to any particular borrower or property. Actual interest rates, fees, leverage, amortization, prepayment terms, and other loan terms depend on borrower qualifications (credit, net worth, liquidity, experience), property characteristics, lender-specific underwriting requirements, third-party reports, and market conditions at the time of application. All loans are subject to lender credit approval, underwriting, and applicable federal, state, and local lending regulations. Linton Global Solutions is a Florida-licensed commercial real estate brokerage (FL Broker #BK703722); it is not a lender. Financing is sourced through third-party lender relationships, and final loan terms are determined by the originating lender. This page does not constitute consumer credit advertising under Federal Reserve Board Regulation Z (12 CFR Part 1026) and is intended for informational purposes only for commercial real estate professionals, investors, and owners considering commercial mortgage financing. Past loan terms or transactions do not guarantee future results.

Frequently Asked Questions

How often are these Florida commercial mortgage rates updated?

Rate ranges are reviewed weekly based on direct feedback from our 500+ Florida-active lender network — including community banks, life companies, CMBS originators, agency DUS lenders, HUD MAP lenders, SBA Preferred Lenders, and debt funds. Specific transaction pricing depends on borrower qualifications, property characteristics, and market conditions at time of application.

Why do agency multifamily and HUD have the lowest rates?

Agency multifamily loans are guaranteed or purchased by Fannie Mae and Freddie Mac (Government Sponsored Enterprises). HUD multifamily loans are FHA-insured. Both structures shift credit risk away from the originating lender, allowing meaningfully lower borrower rates than balance-sheet bank lending. The trade-off is more regulated underwriting and longer processing.

What rate should I expect on my Florida commercial real estate loan?

Your actual rate depends on loan program eligibility, sponsor credit, property quality, leverage requested, market conditions at application, and lender selection. The fastest way to a real quote is the <Link href="/loan-quote-generator">Loan Quote Generator</Link> — indicative terms across all matching programs in 60 seconds.

Are these rates commitments?

No. These ranges are estimates based on current market feedback and are not commitments to lend or loan approvals. Final terms are determined by the originating lender pursuant to that lender's credit and underwriting process. See our <Link href='/financing/disclosures'>full lending disclosures</Link>.

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