Commercial real estate lending in Hamilton County, FL
Hamilton County is home to 13,445 residents with a median household income of $47,696 and a 5.8% population decline over five years. Commercial deals here are underwritten to Florida's typical standards — around 1.25x DSCR and 75% maximum LTV on stabilized assets — with pricing shaped by the county fundamentals below.
Market character
Positioned where I-75 crosses I-10 near the Georgia line, Hamilton County picks up a small amount of interchange-driven truck and logistics activity that most of its rural neighbors lack. Farmland covers the rest of the county, and commercial lending volume stays modest and concentrated near that highway crossing.
Hamilton County by the numbers
| Population | 13,445 |
| 5-year population change | -5.8% |
| Median household income | $47,696 |
| Median age | 40.6 |
| Median home value | $110,400 |
| Median gross rent | $819/mo |
| Housing units | 5,638 |
| Renter-occupied share | 25.1% |
Source: U.S. Census Bureau, ACS 5-year estimates (2023).
Underwriting a Hamilton County deal
A Hamilton County property clears the same four constraints as any Florida deal — 1.25x minimum DSCR and 75% maximum LTV on stabilized assets, an 8% debt-yield floor, and loan-to-cost caps on construction — with benchmark cap rates for FL spanning roughly 5.5% (multifamily) to 7.5% (hotel). The full state-by-asset-class table lives on the benchmarks page; run Hamilton County numbers through the loan sizer to see which constraint binds.
Florida closing costs to budget
Financing in Hamilton County carries Florida's documentary stamp tax and intangible tax — about 0.55% of the loan, due in full on every refinance. Insurance is the other Florida-specific line: wind and flood premiums increasingly decide whether a coastal deal's DSCR clears. Estimate a Hamilton County deal with the closing cost calculator or read the doc stamps guide.
Financing a property in Hamilton County?
Relendi analyzes your deal against real underwriting criteria — DSCR, LTV, debt yield, and market benchmarks — in minutes.
Analyze my deal freeFrequently asked questions
What DSCR do lenders require in Hamilton County?
In Hamilton County — a market of 13,445 residents where median gross rent runs $819 a month — lenders apply Florida's usual floors: typically 1.25x DSCR stabilized, 1.20x on acquisitions, 1.10x on bridge or construction. The county changes which lenders compete for the deal more than it changes the ratio.
What are typical commercial cap rates in Hamilton County?
Statewide Florida benchmarks run roughly 5.5% for multifamily up to 7.5% for hotels; where Hamilton County deals price inside those bands depends on submarket, asset quality, and tenancy — in a county whose median home value is $110,400, residential-adjacent product tends to price toward the wider end. Individual comps set real pricing.