Bimini Basin · Tarpon Point · Yacht Club

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Cape Coral's canal-front lots and explosive new-construction pace make this one of Florida's most active building markets. Nick handles one-time-close construction loans for buyers building on dry or Gulf-access lots, plus standard purchases across Yacht Club, Pelican, and Mariner — and rental investment financing for the short-term-rental boom around the canals.

Serving: Yacht Club · Tarpon Point · Pelican · Mariner · Trafalgar · Cape Harbour · Sandoval

Cape Coral, Florida

Common Questions

Cape Coral Mortgage FAQ

What is the conforming loan limit in Cape Coral / Lee County for 2025? +
The 2025 conforming loan limit for Lee County is $806,500 for a single-family home. Loans above this threshold require a jumbo mortgage.
Can I finance a Cape Coral canal-front home with a conventional loan? +
Yes — waterfront properties in Cape Coral finance like any single-family home. Flood insurance is required for properties in FEMA Special Flood Hazard Areas and factors into debt-to-income calculations.
Are DSCR loans available for Cape Coral investment properties? +
Yes — Cape Coral's rental market supports DSCR qualification on most single-family investment properties. The property's rental income rather than personal income is used for qualification.
What is the FHA loan limit in Cape Coral? +
The 2025 FHA loan limit for a single-family home in Lee County / Cape Coral is $524,225. FHA loans require as little as 3.5% down with a 580+ credit score.
Do I need special insurance for Cape Coral waterfront properties? +
Yes — flood insurance is required for properties in FEMA Special Flood Hazard Areas, which includes many canal-front lots in Cape Coral. Quote insurance early as premiums affect your debt-to-income ratio.

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