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Miami Financial

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DSCR

RENTALS

Portfolio & Cash-Out

RENTAL & PORTFOLIO LOANS

Rental Financing

DSCR Made Simple

Cash-Out Options

DSCR Rental Loans

Qualify using rental income—not tax returns. Ideal for long-term rentals, short-term rentals, Airbnb, VRBO, and cash-flow-positive properties.

Portfolio Loans

Combine multiple rental properties under one loan. Perfect for investors scaling quickly and managing numerous units across Florida.

Cash-Out Refinance

Unlock equity from existing rentals or STRs to reinvest, pay off debt, or acquire more properties. Keep your portfolio growing without selling assets.

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 expanding your rental portfolio, refinancing existing properties, or acquiring short-term rentals, our DSCR and portfolio loan programs are built to help you qualify easier, scale faster, and grow income-producing assets without the limitations of traditional lending.

✔︎

Rental Investors (Long-Term & STR)

Perfect for investors purchasing or refinancing rental homes, condos, duplexes, or Airbnb/VRBO properties. DSCR loans allow you to qualify using rental income, not tax returns, making it ideal for building or stabilizing your rental portfolio with predictable long-term financing.

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Portfolio Investors & Growing Landlords

Portfolio loans are designed for landlords managing several rental units or multiple LLCs. Consolidate loans, reduce payments, and expand faster with simplified underwriting and asset-based qualification. Ideal for investors growing into 5, 10, or 20+ property portfolios.

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Owners Seeking Cash-Out Refinance

Cash-out refinance programs help you pull equity from current rentals or STR properties to purchase new investments, renovate existing assets, or consolidate high-interest debt. Keep your properties, keep your cash flow, and use your equity to scale your portfolio.

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

✔︎

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

✔︎

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

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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