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Palm Beach County investor financing

Palm Beach County Investment
Property Loans.

Palm Beach County investors get loans aligned to condo towers, coastal rentals, and small apartments, with condo project review and wind insurance priced in from the start.

Talk through a property
Local context

How Palm Beach County deals
actually look

Palm Beach County spans West Palm Beach urban rentals, Boca Raton and Delray Beach coastal condos, Jupiter and Palm Beach Gardens suburban stock, and small multifamily along Military Trail and Congress Avenue. A deal in Lake Worth looks nothing like a Mizner Park condo on underwriting paper.

Capituro routes Palm Beach County properties by unit count and income type: 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 retail and office, and bridge when renovation or lease-up still defines the exit.

See all Florida investor financing for statewide program overview.

Property stock

What investors own here

Coastal condo and townhome rentals

High-rise and mid-rise condos along the Atlantic in Boca, Delray, and West Palm require project approval and careful review of rental caps. Stabilized long-term condo rentals on eligible projects may fit 1 to 4 Unit DSCR when wind insurance and HOA dues are reflected in the ratio.

Suburban single-family and duplex

Royal Palm Beach, Wellington, and Greenacres hold investor-friendly single-family rentals often purchased between $350K and $550K. Older duplex stock appears in Lake Worth and central West Palm. Four legal units max stays on residential DSCR.

Small apartments and corridor commercial

Six to eighteen unit buildings sit along Dixie Highway, Military Trail, and older West Palm corridors. Five to ten units routes to 5 to 10 Unit DSCR. Eleven plus routes to 10+ Unit DSCR. Neighborhood retail and medical office fits Commercial DSCR.

Programs that fit

Common Palm Beach County loan lanes

1 to 4 Units

1 to 4 Unit DSCR

Stabilized rentals and eligible condos across Palm Beach County.

Program details
5 to 10 Units

5 to 10 Unit DSCR

Walk-up and garden apartments when unit count is five to ten.

Program details
10+ Units

10+ Unit DSCR

Larger apartment refinances in West Palm Beach and Delray corridors.

Program details
Commercial

Commercial DSCR

Commercial DSCR for retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property. Purchase, rate-and-term refinance, and cash out when leases and NOI support the request.

Program details
Flagship

Cash out refinance

Equity pull on stabilized rentals, apartments, and commercial income property when the ratio and value support the request.

Program details
Speed

Bridge

Renovation and lease-up transitions on multifamily and small commercial.

Program details
Local complications

What slows deals here

Condo association and project approval

Luxury and mid-rise projects in Boca and West Palm may have reserve requirements, litigation history, or rental restrictions that affect financing. Share the project name and occupancy rules early.

Atlantic wind and flood exposure

Oceanfront and near-coastal parcels carry windstorm premiums that can compress DSCR at otherwise standard leverage. Intracoastal and low-lying sites may also need flood coverage.

Short-term rental restrictions

Some municipalities and HOAs limit or ban short-term rentals. Income assumptions must match what the property is legally allowed to do.

Further reading

Articles for Palm Beach County deals

Frequently asked

Can I finance a Boca Raton condo as an investment property?+
Yes when the condo project is eligible for the program, the association allows rentals, and stabilized income supports DSCR. Send the project name, HOA budget highlights, and rental rules for a first review.
Does Capituro finance eight unit buildings in Palm Beach County?+
Yes on 5 to 10 Unit DSCR when the building is stabilized. Minimum loan sizes on small multifamily typically start at $500,000.
Does Capituro finance commercial property in Palm Beach County?+
Yes. Capituro reviews Commercial DSCR on eligible retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property in Palm Beach County, 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 Palm Beach County?+
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 Palm Beach County 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.