Miami, FL · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Miami
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: Miami terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Miami apartment loans
Does 818 Capital offer apartment loans in Miami?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Miami and the greater Miami-Dade County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Miami?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Miami neighborhoods do you lend in?
We actively finance apartment loans across Brickell, Miami Beach, Little Havana, Liberty City, Aventura, and other submarkets of Miami-Dade County.
How fast can 818 Capital close a apartment loan in Miami?
Our typical close time for a Apartment & Multifamily Loans is 45–75 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily 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.