South Florida investors get access to condo towers, coastal singles, small apartments, and mixed-use corridors, but wind insurance, flood zones, and condo project eligibility often decide whether a deal closes.
Talk through a propertyMiami-Dade and Broward County are not one product type. A stabilized long-term rental in Kendall, a short-term rental condo in Miami Beach, a six unit building in Little Havana, and a retail strip on Federal Highway each need a different underwriting lane. Unit count, association rules, and insurance premiums matter as much as purchase price.
Capituro helps investors match South Florida properties to the right program: 1 to 4 Unit DSCR on houses, townhomes, and eligible condos, Apartment DSCR on apartment buildings, and Interest-Only Apartment Loans when you want the payment to stay interest-only, Commercial DSCR on mixed-use and retail-led assets, bridge for lease-up and renovation transitions, and cash out when stabilization supports the ratio.
High-rise and mid-rise condos dominate Miami Beach, Brickell, Sunny Isles, and Fort Lauderdale beach corridors. Project approval, rental caps, and short-term rental rules vary by association. Eligible condos on stabilized long-term leases often fit 1 to 4 Unit DSCR from $300K minimum when insurance and HOA dues are priced realistically.
Older duplexes, triplexes, and fourplexes appear in Little Havana, Allapattah, Hollywood, and working Broward neighborhoods. Coastal single-family rentals in Coral Gables, Pinecrest, and east Broward carry higher insurance but strong rent. Four legal units max stays on residential DSCR.
Six to twenty unit buildings sit along NW 7th Avenue, Overtown edges, and older Fort Lauderdale corridors. Apartment buildings from 5 units up fit Apartment DSCR. Interest-Only Apartment Loans are the fit when you want the payment to stay interest-only. Ground-floor retail with residential above may fit Commercial DSCR when income is commercial-led.
Interest-only for up to the full term on an apartment building, often for more cash out.
Program detailsSmaller apartment buildings in urban Miami and Fort Lauderdale corridors.
Program detailsEquity pull after stabilization when insurance-adjusted DSCR supports the request.
Program detailsRetail, office, and mixed-use on Federal Highway, Biscayne, and neighborhood commercial strips.
Program detailsStabilized houses, townhomes, and eligible condos across Miami-Dade and Broward.
Program detailsCoastal and low-lying parcels in Miami Beach, Key Biscayne, Hollywood, and east Broward often carry windstorm and flood premiums that materially change DSCR. Send a current declaration page or fresh quote before comparing leverage to other markets.
Association reserves, litigation, insurance deductibles, and investor concentration limits can block financing even when the unit cash flows. Share the project name and rental restrictions early.
Tourism-heavy condos need operating history, permit status, or approved market rent support. Peak-season nightly rates alone rarely carry a DSCR loan without a documented income basis.
