Market
Florida is the fastest-growing large state by net migration, creating strong demand across all CRE asset classes. H Equities provides bridge loans and direct equity investments across South Florida and the Gulf Coast.
475K+
Annual Net Migration
$20B+
S. Florida CRE Volume
4.5%–7.0%
Multifamily Cap Rates
None
State Income Tax
Market Overview
Florida's commercial real estate market continues to attract significant capital heading into 2026, driven by sustained population growth, favorable tax policy, and diversifying economic fundamentals. The state added over 475,000 net new residents in 2024 from domestic and international migration combined, maintaining its position as one of the fastest-growing large states in the country. This demographic momentum underpins demand across multifamily, retail, and land development sectors.
South Florida — Miami-Dade, Broward, and Palm Beach counties — remains the state's most active CRE market, with investment sales exceeding $20 billion annually. Land values in prime locations have appreciated significantly, though the market is showing signs of normalization after the post-pandemic boom. Cap rates range from 4.5% for core multifamily in Miami to 7.0%+ for value-add opportunities in secondary markets.
Bridge lending activity in Florida is robust across land acquisition and development, condominium projects, and opportunistic debt positions. The state's insurance cost dynamics, flood zone considerations, and rapid development cycles create a natural fit for bridge capital — borrowers need speed and flexibility that traditional lenders often cannot provide.
Our Approach
Florida is one of our most active bridge lending markets. H Equities provides senior bridge loans, subordinate debt, and equity for land acquisition, condo development, and multifamily transactions across South Florida and the Gulf Coast.
Looking for CRE financing in Florida? Tell us about your deal — asset class, loan size, and timeline — and we will give you a real answer, fast.
Asset Classes
Land Acquisition & Development
Condominium Development
Multifamily
B-Note / Subordinate Debt
Growth Drivers
One of the fastest-growing large states, adding 475,000+ net new residents in 2024 from combined domestic and international migration.
No state income tax creates a powerful magnet for high-income individuals, corporate relocations, and wealth migration from the Northeast and Midwest.
South Florida's $20B+ annual CRE transaction volume provides deep liquidity and diverse exit options for bridge loan sponsors.
Land development opportunities across Coral Gables, Fort Lauderdale, Sarasota, and the Gulf Coast benefit from constrained supply and sustained demand.
Key Submarkets
FAQ
Tell us about your deal — asset class, loan size, and timeline. We'll give you a real answer, fast.