Miami, FL · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Miami
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Miami terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Miami STR loans
Does 818 Capital offer STR loans in Miami?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Miami and the greater Miami-Dade County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Miami?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Miami neighborhoods do you lend in?
We actively finance STR loans across Brickell, Miami Beach, Little Havana, Liberty City, Aventura, and other submarkets of Miami-Dade County.
How fast can 818 Capital close a STR loan in Miami?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 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.
Multifamily Bridge & Permanent
5+ unit properties. 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.
Short-Term Rental (STR) 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.