Vice President

Zena Bardawell leads the mortgage lending and banking division at U.S.A. Lending, Inc., Miami’s top mortgage lender. Backed by a highly trained team, she specializes in meeting the diverse needs of clients across residential and commercial mortgages, small business financing, short sales, and loan modifications. Whether assisting first-time homebuyers, seasoned investors, business owners, or seniors planning for retirement, U.S.A. Lending, Inc. delivers the right products, personalized service, and dedicated attention.  With over a decade of industry experience, Zena has developed a deep expertise that allows her to continually expand her skills and provide even greater knowledge and value to each new client she serves.

Seller Financing Terms:
•5% interest rate
•30-year amortization
•15-year balloon payment
•First 2 years interest-only payments

Property Details:
•Strong infrastructure allowing buyers an easy entry into this asset class
•High barrier to entry as Clay County mandates a minimum of 3 acres for any new RV & Boat storage projects, with limited vacant land available
•Low operating expense ratio
•112 total units
•Approximately 10% cash-on-cash return
•Summit Control system ensures smooth and secure customer access to the property

Investment Highlights
Seller Financing Terms:
•5% interest rate
•30-year amortization
•15-year balloon payment
•First 2 years interest-only payments
Year 1 Financials:
•Net Operating Income (NOI): $177,000
•Debt Service: $78,708
•Cash Flow: $98,392
•Down Payment: $1,000,000
•Loan Amount: $1,575,000

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The Venice Warehouse & Self-Storage Complex is a recently renovated investment property consisting of seven buildings with a combined 53,590 square feet and 150 leasable units. 
Currently 97% occupied, the facility generates a 7.75% return and has undergone major improvements, including new roofs with steel beam replacements, exterior painting, and energy-efficient LED lighting. 
A newly built on-site manager and maintenance office features touchscreen technology and integrated property management software, ensuring smooth operations. 
Additional upgrades include modernized bathrooms, updated electrical systems, and other maintenance enhancements to meet today’s standards. Ideally situated near the Island of Venice, Legacy Trail, and directly across from City of Venice Park, the property benefits from excellent visibility and accessibility. 
With room to increase occupancy and streamline operations, this self-storage and small bay warehouse complex presents strong value-add potential and stands out as a prime investment in a desirable location.

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The Palms on Ocean presents a rare investment opportunity in the sought-after Hillsboro Shores submarket of South Florida. This property consists of a 16-room motel paired with a fully operational Food Mart, offering multiple revenue streams in the heart of Pompano Beach. Built in 1954, the two-story motel has been meticulously maintained, featuring guest rooms that consistently attract vacationers just steps away from the Atlantic shoreline. The Food Mart further boosts income by catering to guests and locals with snacks, drinks, and beach essentials. Guests also enjoy a serene pool area, enhancing the property’s appeal as a relaxing coastal getaway.

Situated on nearly 0.3 acres, the property offers room for future improvements or redevelopment. Significant upgrades include a new flat roof (2018), resurfaced parking lot, impact-resistant windows, and efficient mini-split air-conditioning units in roughly one-third of the rooms. Half of the guest rooms have been renovated with new kitchens, bathrooms, and flooring, driving higher occupancy and guest satisfaction. Owned and operated by the same owner since 1990, the motel demonstrates stability and strong management with a loyal customer base.

Its strategic location ensures steady demand, surrounded by South Florida’s thriving tourism amenities. Guests benefit from proximity to Pompano Beach Pier, Hillsboro Inlet Lighthouse, Pompano Community Park, and the popular Pompano Beach Amphitheater. The surrounding area continues to grow, with luxury condominium developments (CasaMar, Solemar, Waldorf Astoria Residences), new dining venues, and upgraded beachfront attractions fueling consistent visitor traffic.

In addition to its strong location and recent renovations, the property comes with attractive seller financing—50% loan-to-value (LTV) at 5.5% interest-only monthly payments for five years—offering flexible terms for investors. Combining coastal charm, proven profitability, and growth potential, The Palms on Ocean is a highly compelling addition to any real estate investment portfolio.

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Industrial Investment Opportunity
•Total building area: 31,060 SF on 2.32 acres
•Prime location next to Page Field Airport in South Fort Myers
•Two single-tenant buildings with established, long-term occupants
•Detailed Offering Memorandum available upon request

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Multifamily Development Opportunity
•2.6 acres (112,188 SF) of land available for multifamily development
•Prime location in one of Homestead’s fastest-growing areas, along a major thoroughfare with daily traffic exceeding 40,000 vehicles
•Outstanding visibility and strong potential for value appreciation
•Ideal site for residential development or long-term investment

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•Multifamily Opportunity in Miami
•Storage unit for sale at Infinity at Brickell, located at 40 SW 13th St, Miami, FL 33130.
•Size: 270 sq. ft.
•Features: Climate-controlled, spacious storage with a dedicated AC unit.
•Eligibility: Available exclusively to Infinity at Brickell condo and office owners.
•A convenient and valuable addition to your property. Contact us today for details.

U.S.A. Lending & Realty, Inc. The Farah Group

Commercial Brokers

Active Listings

U.S.A. Lending & Realty, Inc. The Farah Group - Commercial Real Estate Brokerage

U.S.A. Lending & Realty, Inc. The Farah Group

Commercial Brokers

Active Listings