Practice Areas

We represent buyers, sellers, lenders, and borrowers in the acquisition, disposition, financing, and restructuring of commercial property across Florida — from multifamily apartment buildings and retail plazas to office properties and mixed-use developments.

The practice covers diligence coordination on title, survey, environmental, zoning, and tenancy; entity formation for the holding structure; lender coordination through commitment; title insurance issuance through The Fund; and the modifications, refinancings, subordinations, and cross-collateral structures that follow as client portfolios grow.

We serve as outside counsel to Florida community banks and private lenders for the documentation and closing of commercial loans: term facilities, revolving lines of credit, construction loans with phased draw schedules and draw administration (lien waivers and releases, title run-down before each advance), multi-loan portfolios, intercreditor and subordination structures, loan modifications, renewals, extensions, allonges, assignments, and the workout and recovery work that some credit relationships eventually require. We also review collateral and title for bank credit facilities extended to private lenders, and document vessel and aircraft financings when they enter the collateral structure.

Borrowers include real-estate holding entities, physician practices and healthcare operators, religious and educational institutions, hospitality and automotive operators, and foreign entities holding Florida property. The firm has served as closing counsel to Florida banking institutions across multiple credit cycles.

We document and close C&I business loans and lines of credit, secured by a business’s assets rather than by real estate: revolving lines of credit with borrowing-base availability, term loans for equipment and business acquisitions, non-revolving guidance lines drawn against invoices, each advance amortized on its own schedule, and companion facilities cross-collateralized with the lender’s mortgage loans. The collateral work is governed by Article 9: security agreements, UCC searches and filings in every relevant state, landlord and bailee waivers, deposit-account control and pledged-collateral agreements, subordinations of seller and shareholder debt, and assignments of receivables and franchise fees.

Borrowers have included healthcare operators and physician groups, manufacturers and distributors, logistics carriers, contractors, schools, nonprofit institutions, investment advisers, and franchisors.

We issue title insurance through Attorneys’ Title Fund Services (The Fund), Florida’s bar-related title organization, serving Florida attorneys and their clients since 1948; its policies are underwritten by Old Republic National Title Insurance Company. Unlike commercial title companies, The Fund issues policies exclusively through licensed Florida attorneys — so an attorney is responsible for the title examination, the underwriting decision, and the closing.

For clients, that means the title work is done by counsel already responsible for the transaction.

We close purchases, refinancings, and sales of personal residences and investment properties for the principals and families the firm represents — Miami-Dade, Broward, and Palm Beach counties, with title issued through The Fund. We coordinate with the lender, the real estate agent, and the title underwriter, and closings are conducted in Spanish when the client prefers.

Same counsel, same closing standard as the commercial work.

We form Florida LLCs, corporations, and the multi-tier holding structures that real estate investors and operating businesses use. We draft operating agreements around how the parties will actually run the business, rather than starting from a form. We handle foreign and out-of-state members, OFAC and beneficial-ownership compliance, the good-standing certifications lenders require, and the ongoing entity governance that supports active financing relationships.

Most clients form these entities for a specific transaction. We handle that closing as well.