Miami-Dade County · Miami, FL
Investment Property Loans in Miami
Miami-Dade investor activity spans luxury STR in Brickell and Miami Beach, 2–4 unit rentals in Little Havana and Liberty City, and condo cash-flow plays across Aventura and Doral. Insurance and HOA-assessment costs have reshaped DSCR underwriting — national lenders are mispricing deals.
Our edge here: We underwrite with post-Surfside condo assessment reality built in. Miami STR deals underwritten on AirDNA, not guesswork.
Loan programs available in Miami
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
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Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
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Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
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Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
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Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
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Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
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