Miami, FL · DSCR Rental Loans
DSCR Rental Loans in Miami
Qualify your rental on the property, not your tax returns. Close in 21 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.
DSCR Rental Loans: Miami terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Program details that apply in every market: DSCR Rental Loans — national program page
Common questions — Miami DSCR loans
Does 818 Capital offer DSCR loans in Miami?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Miami and the greater Miami-Dade County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Miami?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Miami neighborhoods do you lend in?
We actively finance DSCR loans across Brickell, Miami Beach, Little Havana, Liberty City, Aventura, and other submarkets of Miami-Dade County.
How fast can 818 Capital close a DSCR loan in Miami?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Miami
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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental 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.