RV park loans in Florida — regional market guide. Nationwide: Jaken finances RV parks and campgrounds in all 50 states. Hub: RV park and campground financing
Florida is the largest US outdoor hospitality market by pad count — snowbird full-hookup resorts, Orlando corridor tourist parks, and glamping hybrids on inland acreage. Insurance premium inflation since 2022 is the dominant underwriting variable — use binding quotes, not expiring seller policies.
Acquisition guide: how to buy an RV park · Valuation: RV park cap rates · Insurance: Florida DSCR insurance guide
Florida park segments
| Type | Example markets | Seasonality | Lender note |
|---|---|---|---|
| Snowbird full-hookup | Lee, Collier, Polk | High winter / lower summer | Model T-12, not January × 12 |
| Theme-park corridor | Orlando / Kissimmee | Event + tourist | Strong ADR, higher opex |
| Panhandle beach | 30A spillover | Hurricane exposure | Conservative LTV |
| Glamping hybrid | Keys inland, Everglades edge | Operator-dependent | Glamping financing |
2026 rate stack
| Program | Rate band | Best fit |
|---|---|---|
| SBA 7(a) | 10%–11.5% | Stabilized + operator experience |
| Bank (stabilized) | 6.5%–8% | 75%+ occupancy, clean T-12 |
| Bridge / hard money | 8.99%–13.5% IO | Turnaround, fast close |
Compare: SBA vs bridge campground acquisitions
Worked example — Central FL 95-pad turnaround
$2.4M purchase · 72% T-12 occupancy · full hookup
| Phase | Detail |
|---|---|
| Bridge | 70% LTV + $320K bathhouse/pool holdback |
| Insurance verified | +$85K/yr vs 2019 baseline — in pro forma |
| Month 18 target | 81% occupancy, ADR +12% |
| Refi | 1.26x DSCR on T-12 |
Worst-month DSCR stress-tested at February occupancy — not March peak.
Florida diligence
- Wind / flood — FEMA zone and elevation certificate
- Phase I environmental — prior gas station or marina adjacency
- Pad permits — unpermitted expansion kills refi
- Business interruption — lender may require coverage
- Citizens / surplus lines — verify carrier AM Best rating
Regulatory: Florida Office of Insurance Regulation
Seasonality and refi timing (Florida RV)
Gulf and Atlantic parks often show 40%–55% occupancy spread between January and March peak — permanent lenders underwrite trailing twelve, not your best weekend in February. Size bridge for 18 months when acquiring December–March so you capture a full snowbird cycle before refi application. Inland Central Florida travel corridors trade lower ADR but steadier year-round occupancy for first-time outdoor hospitality sponsors.
Bridge file package (Florida RV park)
Submit with LOI when possible:
- Trailing 12-month P&L (not peak month annualized)
- Occupancy by month — 12-month grid
- Insurance binder or quote — wind/flood if applicable
- Utility bills — per-pad electric and water
- Phase I environmental on river/coastal parcels
- Sponsor outdoor hospitality resume — first park vs portfolio
Florida vs. Georgia RV comparison
Snowbird Southwest Florida parks command premium ADR but insurance load compresses NOI vs Central Georgia travel stops. Underwrite each T-12 — do not apply state-wide cap rates. Georgia guide: outdoor hospitality Georgia.
Related
- Georgia outdoor hospitality
- Hard money lenders Florida
- Orlando STR vs LTR DSCR — residential comparison
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