Miami-Dade County · Miami, FL
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.
Property and project review
These property categories reflect Miami locations in our deal history. The right structure depends on the current property, sponsor and business plan. A reviewed scenario does not by itself represent a funded transaction.
Reconcile the rent roll to collections and trailing operating statements. Show current income separately from the stabilized plan, including vacancy, concessions, repairs and the cost of leasing vacant units.
Separate purchase funds from the renovation holdback. Match the scope to permits, contractor bids and inspected draws, then test sale and rental exits against the full carrying cost.
30-year fixed. No personal DTI. Closes on property cash flow.
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Up to 90% LTC. 75% ARV. 12-month terms.
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Underwritten on AirDNA revenue, not LTR shadow rents.
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5+ unit apartment buildings. Bridge, value-add, and long-term.
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Fast, flexible capital for time-sensitive acquisitions.
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Fund the build. Refinance into a DSCR on stabilization.
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