Siesta Key. Longboat. Lido. Casey Key. Plus the mainland Sarasota market that runs on agency loans. Sarasota's range is huge — and the right loan structure changes by zip code. I close them all.
$1.4M median SFR. AE/VE coastal exposure. Surplus lines insurance common. Strong STR market with restrictions — verify before assuming income.
$1.7M median SFR. Similar coastal challenges. Heavy snowbird second-home market. Luxury condo + SFR mix.
$1.1M median SFR. Closer to mainland conveniences. AE coastal, more carrier options than Siesta/Longboat.
$580K median SFR. Agency-friendly market. First-time buyer + move-up + investor mix. Conforming and FHA dominant.
Manatee County coverage. Anna Maria = restrictive STR. Bradenton mainland = standard agency-friendly.
Varies by city/area. Restrictions tighter on Siesta. Lido more permissive. Always verify at address before DSCR underwriting.