The south end of Anna Maria Island, Bridge Street, Coquina Beach, and one of the most active nightly-rental markets on the Gulf coast. Nightly rentals are allowed here, which makes it a real DSCR play. I structure the loan, count the short-term income the right way, and put the insurance in the numbers before you're under contract.
The Market
Of the three Anna Maria Island cities, Bradenton Beach is one of the two that allow nightly rentals. Pair that with Gulf beach access, a walkable historic district, and a state park at the south tip, and you get steady short-term demand and financeable income.
Ranges are illustrative and move with the market. Want the island overview? See Anna Maria Island.
Most buyers here are running the numbers as an income property. Here is how the common deals get built.
Nightly-rental legality plus strong demand makes this the go-to. Airbnb and VRBO income qualifies the deal, not your tax returns. Vacation rental financing →
Gulf-front and many canal homes cross the $832,750 Manatee limit. Portfolio jumbo covers primary, second home, and investor purchases. Jumbo programs →
Condos are a real entry point here, but some buildings fail agency warrantability on investor ratios or reserves. Portfolio financing closes the gap. Non-QM →
Using it part of the year and renting the rest? A conventional second-home loan can mean a lower down payment than a pure investment loan. Book a call →
After Helene and Milton, barrier-island pricing moved. I pre-quote wind and flood so your qualifying math holds. Flood lending →
Get Started
Give me the address or block, the price, and how you'll run it. I confirm the short-term rental setup, count the income the right way, and build insurance into the numbers before you offer.