2026 Loan Limits in Fort Myers Beach, Lee County
The 2026 conforming loan limit in Lee County is $832,750 — Florida's standard baseline — which covers the majority of Fort Myers Beach purchases. Lee County's FHA limit is $585,500, or $44,213 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets. DSCR investors targeting Fort Myers Beach short-term rentals should confirm permit availability before closing — the city regulates STR licensing, and rental income projections depend on an active, transferable permit.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Lee County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Fort Myers Beach's 2026 FHA ceiling: $585,500.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Fort Myers Beach for regulated short-term rentals and long-term rentals.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Lee County; post-Ian rebuild; STR market; beach community; flood zone considerations.