Sanibel Island is an exclusive shell-island retreat — luxury second-home and vacation rental market with strict development limits.
Sanibel Island is an exclusive shell-island retreat — luxury second-home and vacation rental market with strict development limits. The 2026 conforming loan limit is $832,750 and the FHA limit is $541,287, covering most Sanibel purchase scenarios.
The 2026 conforming loan limit in Lee County is $832,750, covering most Sanibel home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
The 2026 conforming loan limit in Lee County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Sanibel with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Lee County.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624