DeSoto County
Bridge and Commercial Loans in DeSoto County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Arcadia and throughout DeSoto County. Loans range from $50,000 to $1,000,000, and we can close in as few as 5 business days.
Loans we offer in DeSoto County
Bridge loans
On 1–4 unit residential investment property, up to 75% of current value.
Commercial bridge loans
On retail, office, industrial, mixed-use, and multifamily property, up to 70% of current value, including buildings purchased by business owners for their own operations.
Fix and flip and new construction loans
Up to 70% of the after-repair or completed value.
Lot and land loans
Up to 50% of current value.
Areas we serve
We lend throughout DeSoto County, including:
- Arcadia
- Southeast Arcadia
- Nocatee
- Fort Ogden
- Lake Suzy
What DeSoto County investors should plan for
Rural land and acreage
DeSoto County is largely agricultural, with cattle ranches, citrus groves, and open land. Land loans let investors buy acreage quickly while they plan to hold, subdivide, or resell it.
Agricultural tax classification
Much of the county's land is taxed at a lower rate under Florida's agricultural classification, often called the greenbelt exemption. If the agricultural use stops after a sale, property taxes can rise significantly. Check the property's classification and include the likely tax change in your plan.
Peace River flooding
Hurricane Ian caused record flooding along the Peace River in 2022, and parts of Arcadia were underwater for days. Check the property's flood zone and its flood history before you buy, and get a flood insurance quote early.
Manufactured homes and title status
Manufactured homes are common in DeSoto County. A manufactured home is treated as part of the real estate only if its vehicle title has been retired and it is permanently attached to the land. Confirm the title status before you buy, because it affects how the property can be financed and insured.
Well, septic, and zoning
Most properties outside Arcadia rely on well water and septic systems. Zoning also differs between the City of Arcadia and unincorporated DeSoto County. Confirm utilities and zoning before you set a budget for building or improving a property.
Historic downtown Arcadia
Downtown Arcadia has older commercial buildings along its historic main streets. Investors buying these buildings to renovate and lease can use commercial bridge loans.
Example scenarios
These examples show how our loans are typically structured. They are not past transactions.
- An investor buys 10 acres of rural land near Arcadia for $150,000 using a land loan of up to $75,000.
- An investor buys a historic storefront building in downtown Arcadia for $400,000 using a commercial bridge loan of up to $280,000, then renovates and leases it.
- An investor buys a single-family rental in Arcadia for $180,000 using a bridge loan of up to $135,000, then leases it and refinances into a long-term rental loan.
How to get started
Send us the property address, the purchase price or payoff, your plan, and your target closing date. We will review the property ourselves and send you proposed terms. You can also estimate your numbers with our loan calculator.
Skyway Bridge Lending makes business-purpose loans only and does not make loans secured by owner-occupied residences. The terms on this page are general guidelines and are not a loan offer or commitment. All loans are subject to underwriting approval, property review, and final loan documents. Information about permitting, flood rules, and insurance is general and is not legal or insurance advice.
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Sarasota, FL
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