Miami, FL · Bridge Loans
Bridge Loans in Miami
Move fast when the deal demands it. Bridge in 10 days.
Why Miami investors choose 818
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.
Bridge Loans: Miami terms
Term
6–24 month terms, interest-only
Leverage
Up to 75% LTV, 80% LTC on value-add
Credit minimum
660
Close time
10–21 days
Qualification
Asset-based underwriting + exit strategy
Ideal for
Auction buyers, 1031 investors on a clock, value-add sponsors needing to close before starting the business plan, and investors whose equity is tied up in a pending sale.
Program details that apply in every market: Bridge Loans — national program page
Common questions — Miami bridge loans
Does 818 Capital offer bridge loans in Miami?
Yes. 818 Capital Partners is a direct private lender originating Bridge Loans for investor properties throughout Miami and the greater Miami-Dade County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in Miami?
6–24 month terms, interest-only. Up to 75% LTV, 80% LTC on value-add. Minimum credit score 660. Typical close time: 10–21 days. Qualification: Asset-based underwriting + exit strategy.
What Miami neighborhoods do you lend in?
We actively finance bridge loans across Brickell, Miami Beach, Little Havana, Liberty City, Aventura, and other submarkets of Miami-Dade County.
How fast can 818 Capital close a bridge loan in Miami?
Our typical close time for a Bridge Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Miami
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Bridge Loans in other markets
Ready to close your Miami deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.