Miami real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Miami Rate →Miami is an international market with constant inflow from Latin America, Europe, and domestic high-net-worth buyers. Tax-free Florida, warm weather, and post-pandemic remote work brought permanent migration. STR (short-term rental) is particularly strong — properties in Brickell, Wynwood, and Miami Beach generate significantly higher yields than traditional long-term rentals.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Miami metro including Coral Gables, Doral, Pinecrest, Homestead, and Aventura.
Miami rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Coral Gables often qualify easily on gross rent alone.
Miami markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Miami allow LLC borrowing with personal guarantees. Standard for asset protection.
Miami's 7.1% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Miami properties.
Yes. DSCR loans qualify based on the Miami rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Miami DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Miami rental yields average 5.2% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Miami allow borrowing in an LLC with a personal guarantee.
Miami DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Miami areas have STR restrictions — verify local rules.
Standard DSCR loans in Miami go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Miami rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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