Multifamily Properties in Miami, FL
Investors and developers focused on multi-unit properties including duplexes, triplexes, fourplexes, and larger apartment buildings. Multifamily investments offer stable cash flow and long-term appreciation.
Property Value
$1500K
Avg Units
8
Annual Income
$120K
Multifamily investors in Miami-Dade, from duplexes and fourplexes to small apartment buildings, rely on stable cash flow and long-term appreciation. Hard Money Lenders of Miami provides DSCR-based rental loans, bridge financing, and construction capital for multifamily acquisitions and value-add projects throughout the county.
Our multifamily financing focuses on the property's income. We underwrite based on rent rolls, expense ratios, and the property's ability to service debt, not just your personal income. Experienced investors building portfolios, first-time buyers acquiring a small multifamily, and value-add investors repositioning underperforming assets all qualify.
Miami's rental market remains strong, with demand driven by population growth, limited new supply in many submarkets, and a steady flow of renters. We typically fund in 7-14 days and offer terms that match your hold strategy, whether you're buying and refinancing quickly or holding for the long term.
What to Expect
DSCR (debt service coverage ratio) drives rental loan underwriting. We look at the property's income versus its debt service. Typically we want 1.0-1.25x coverage depending on the deal.
Bridge loans work for value-add acquisitions where you'll improve the property and refinance. Construction financing is available for major renovations or additions to existing multifamily.
Property management: we evaluate each deal. Experienced investors may self-manage; we look at the overall plan. Smaller properties (2-4 units) often have different requirements than larger buildings.
Miami multifamily includes strong submarkets in Kendall, Doral, Hialeah, and suburban corridors. We understand local rents, expenses, and cap rates.
Typical Use Cases
Multifamily Properties in Miami-Dade often use hard money for these purposes. Our flexible terms accommodate a range of strategies and timelines.
- , Duplexes
- , Triplexes
- , Fourplexes
- , Apartment buildings
- , Multi-family complexes
Success Factors
Borrowers who succeed with hard money financing typically bring these strengths to the table. We evaluate each deal holistically, experience helps, but a solid plan and qualified team matter most.
- , Cash flow management
- , Tenant screening
- , Property maintenance
- , Market analysis
Why Choose Hard Money Lenders of Miami
- , 24-48 hour approval process, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , No prepayment penalties, exit when it makes sense
- , Local Miami expertise, we know the market
- , Flexible terms, tailored to your investment needs
How It Works
Frequently Asked Questions
What multifamily financing do you offer?
We offer DSCR rental loans, bridge loans, and construction financing for multifamily properties throughout Miami-Dade.
What's the typical LTV on multifamily?
We typically offer up to 75% LTV depending on the property's income and condition.
Do you require property management?
We evaluate each deal. Experienced investors may self-manage; we look at the overall plan.
How fast can I close?
Typically 7-14 days. We understand Miami multifamily moves fast.
What's DSCR and how does it work?
DSCR (debt service coverage ratio) measures the property's income versus its debt. We typically want 1.0-1.25x coverage. The property's rent roll drives qualification.
Do you finance value-add multifamily?
Yes. Bridge loans work for value-add acquisitions where you'll improve the property and refinance. Construction financing is available for major renovations.
Get Started
Ready to explore hard money financing for multifamily properties? Contact us today for a quick quote.
Apply NowCall 305-928-2678Explore Other Borrower Types
Real Estate Investors
Experienced investors who purchase, renovate, and sell properties for profit. Whether flipping single-family homes or building rental portfolios, real estate investors rely on hard money for quick, flexible financing.
Residential Developers
Professionals specializing in residential development projects, from ground-up construction to major renovations. Residential developers need fast, reliable financing to manage project timelines and budgets.
Commercial Developers
Developers focused on commercial real estate projects including retail, office, industrial, and mixed-use developments. Commercial developers require substantial, flexible financing for complex projects.
Fix-and-Flip Projects
Homeowners and investors purchasing distressed properties to renovate and sell for profit. Fix-and-flip projects require quick funding, renovation budget support, and streamlined closing processes.