Capituro
Contact
Miami and Fort Lauderdale investor financing

Miami and Fort Lauderdale Investment
Property Loans.

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 property
Local context

How Miami and Fort Lauderdale deals
actually look

Miami-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, 5 to 10 Unit DSCR on smaller apartments, 10+ Unit DSCR on larger multifamily refinances, Commercial DSCR on mixed-use and retail-led assets, bridge for lease-up and renovation transitions, and cash out when stabilization supports the ratio.

See all Florida investor financing for statewide program overview.

Property stock

What investors own here

Condo and townhome rentals

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 $250K minimum when insurance and HOA dues are priced realistically.

Single-family and duplex stock

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.

Small apartments and mixed use

Six to twenty unit buildings sit along NW 7th Avenue, Overtown edges, and older Fort Lauderdale corridors. Five to ten units routes to 5 to 10 Unit DSCR. Eleven plus routes to 10+ Unit DSCR with rent roll and trailing operating history. Ground-floor retail with residential above may fit Commercial DSCR when income is commercial-led.

Programs that fit

Common Miami and Fort Lauderdale loan lanes

Flagship

Cash out refinance

Equity pull after stabilization when insurance-adjusted DSCR supports the request.

Program details
1 to 4 Units

1 to 4 Unit DSCR

Stabilized houses, townhomes, and eligible condos across Miami-Dade and Broward.

Program details
5 to 10 Units

5 to 10 Unit DSCR

Smaller apartment buildings in urban Miami and Fort Lauderdale corridors.

Program details
10+ Units

10+ Unit DSCR

Stabilized 11+ unit apartments. Refinance and cash out driven by NOI and DSCR, not residential DSCR rules.

Program details
Commercial

Commercial DSCR

Retail, office, and mixed-use on Federal Highway, Biscayne, and neighborhood commercial strips.

Program details
Local complications

What slows deals here

Wind and flood insurance

Coastal 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.

Condo project eligibility

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.

Short-term rental income documentation

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.

Further reading

Articles for Miami and Fort Lauderdale deals

Frequently asked

Can I finance a Miami Beach condo as a short-term rental?+
Sometimes, when the condo project is eligible, the association allows short-term rentals, and you have operating history or an approved income method. Send the association name, rental rules, and trailing income for a first read.
Does wind insurance affect DSCR in South Florida?+
Yes. Wind and flood premiums are often the line item that makes or breaks the ratio on coastal deals. Underwriting usually needs a real insurance number, not a placeholder from another state.
Does Capituro finance commercial property in Miami and Fort Lauderdale?+
Yes. Capituro reviews Commercial DSCR on eligible retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property in Miami and Fort Lauderdale, Florida. Purchase, rate-and-term refinance, and cash-out are available when leases, occupancy, and NOI support the request. Typical loan size is $200K to $5M+, with max LTV usually 70% on most commercial types or 75% on mixed use and multifamily.
Can I cash out refinance a multifamily building in Miami and Fort Lauderdale?+
Yes. Five to ten unit properties often fit small multifamily DSCR. Eleven unit and larger stabilized apartments usually route to 10+ Unit DSCR. Capituro reviews cash-out refinance in Miami and Fort Lauderdale when the rent roll, NOI, and leverage support the request.
Does Capituro do Florida commercial DSCR cash-out, or only residential DSCR?+
Both. Capituro helps investors close residential DSCR, small multifamily, larger apartment refinances, and commercial DSCR cash-out in Florida. Office, retail, warehouse, self storage, mixed use, and other income property are reviewed on commercial lanes, not residential DSCR.