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Multifamily

Commercial

Mixed-Use

Finance larger assets with confidence.
From 5-unit buildings to commercial properties,
our programs help investors scale into higher-income,
long-term holdings.

MULTIFAMILY & COMMERCIAL FINANCING

Multifamily Loans (5–100+ Units)

Acquire, refinance, or reposition multifamily buildings with flexible underwriting and competitive terms. Perfect for investors expanding into higher-density rental assets.

Commercial Real Estate Loans

Funding for retail centers, office buildings, warehouses, industrial facilities, and income-producing commercial properties across Miami & South Florida.

Mixed-Use Property Loans

Finance properties that combine residential + commercial components. Ideal for value-add opportunities and prime urban locations.

DIFFERENT CASE SCENARIOS AND SUCCESSFUL FUNDING

  • DSCR 30-year fixed loan

  • 80% LTV (20% down)

  • No tax returns or W-2s required

  • Closed in 14 days

DSCR Rental Loan

$525,000 Single-Family Rental in Fort Lauderdale

Ground-Up Construction


New 4-Unit Townhome Development 

  • Construction loan covering 85% of the total cost

  • $1.02M construction budget funded via draws

  • Interest-only during construction

  • 12-month term with extension options

Commercial Multi-Tenant Strip Plaza

$2.3M Neighborhood
Retail Center

  • Commercial bridge loan

  • 70% LTV ($1.68M financing)

  • Quick 10-day close to beat competing offers

  • Interest-only for 24 months

  • Refinance to a long-term DSCR commercial loan planned after minor renovations

Benefits

Who is it suitable for?

Whether you're acquiring multifamily assets, expanding into commercial properties, or repositioning mixed-use buildings, our financing programs are built to support long-term growth, value-add strategies, and stable income-producing investments across Miami and South Florida.

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Multifamily Investors (5–100+ Units)

Ideal for buyers seeking 5–100+ unit apartment buildings, small-balance multifamily, or mid-size rental communities. These loans provide flexible underwriting, strong leverage options, and financing tailored to long-term rental operations or value-add repositioning. Perfect for investors expanding beyond single-family or duplex portfolios.

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Commercial Real Estate Buyers & Business Owners

Designed for investors purchasing income-producing retail, office, warehouse, or industrial properties. Great for buyers seeking predictable loan structures for stabilized properties or funding for improvements to enhance NOI. Business owners can also use these programs to acquire or occupy commercial space.

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Developers & Mixed-Use Investors

Built for those acquiring or repositioning properties that blend residential and commercial components. Ideal for urban locations, redevelopment zones, and value-add opportunities. These loans support construction, renovation, tenant improvements, and long-term stabilization plans.

Plans

Built for Every Type of Investor

Whether you're acquiring rentals, flipping properties, funding renovations, or scaling a multifamily portfolio—Miami Financial gives you fast, flexible lending tools designed for real-world investing.

Quick Capital 

Hard Money Bridge Loan

Ideal for Flips, Auctions, Repairs & Time-Sensitive Deals

Fast Capital

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Same-week closings

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Renovation & value-add friendly

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No income verification needed

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Perfect for Fix & Flip, BRRRR, distressed assets

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Apply for Fast Capital

Long-Term

Investment Loans

Qualify based on the property’s income,
not your tax returns. 

DSCR

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Ideal for long-term or short-term rentals (Airbnb/STR)

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Refinance, cash-out, or purchase

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Build long-term passive income

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Cash-Flow Loans

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30 projects

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Start Your DSCR Pre-Approval

Portfolio

Multifamily Commercial

Serious investors ready to scale into larger assets.

Multifamily / Commercial

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Tailored underwriting to match your business model and long-term strategy.

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Bridge-to-perm options

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Mixed-use & commercial OK

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Strong local underwriting advantage

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5-100+ Unit Loans

Currently Servicing the Following States

FLORIDA | TEXAS | TENNESSEE | ARIZONA | GEORGIA | NEVADA | OHIO | INDIANA | ALABAMA | SOUTH CAROLINA

Online Business

DSCR (Highest Search Volume in 2024–2025)

Working with Laptop

Hard Money (High Click-Through & High Intent)

Shooting Recipe Videos

Multifamily (High Value & Large Loan Size Audience)

Blog

Helpful articles

Explore some of our customers’ top financing challenges and learn how Miami Financial has helped find loan solutions that help you to leave these problems in the past.

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