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UNITEDLENDING

Investment property loans · Miami-Dade County, FL

Hard money, fix and flip and DSCR loans in Miami, FL

Investors in the City of Miami work with a wide spread of property: aging single-family homes, duplexes and low-rise apartment buildings in Little Haiti and Little Havana, 1920s houses in the Upper Eastside and along Coral Way, and condo units in the towers of Brickell and Edgewater. Common plans include renovating older houses for resale, holding small multifamily as rentals, and short-term financing for buildings that need recertification repairs.

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Where investors buy

Neighborhoods investors look at in Miami

The older neighborhoods hold 1920s houses, Bungalow, Mission and Mediterranean Revival homes, and Miami Modern (MiMo) buildings along Biscayne Boulevard. Downtown, Brickell and Edgewater are dominated by high-rise residential towers.
Little HavanaWest of downtown, with single-family and multifamily buildings in Bungalow, Mission, Mediterranean Revival and Miami Modern styles, including the Riverview Historic District.
Little HaitiMostly aging single-family homes, duplexes and low-rise apartments, now sitting beside some of the largest mixed-use projects planned in the city.
AllapattahResidential blocks mixed with garment, produce and repair businesses, where much recent activity is warehouse reuse and new rental towers planned near the Rubell Museum.
Upper EastsideKnown for its 1920s homes and the MiMo Historic District along Biscayne Boulevard.
Coral WayLaid out in the early 1920s, with older houses on tree-lined streets, including the Shenandoah section.
EdgewaterMostly high-rise residential towers on Biscayne Bay, where a condo purchase depends on the building's recertification and reserve status.

Loan programs

Loans for Miami real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Miami

30-year loans for Miami rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Miami

Buy and renovate in Miami with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Miami

Close quickly on a Miami property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Miami

Financing for new builds in Miami, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Miami

Financing for Miami apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Miami

Local rules and costs that change a deal's numbers or closing date in Miami and Miami-Dade County. Sources are listed at the bottom of the page.
  • Budget for Miami-Dade's documentary stamp tax on the deed: 60 cents per $100 of price, plus a 45-cent surtax per $100 unless the deed conveys only a single-family home, a condo unit or a co-op unit, so an apartment building or vacant land pays both.
  • For condo, co-op and apartment buildings, check where the building sits in Miami-Dade's recertification cycle (generally at 30 years, then every 10 years) and whether repairs or special assessments are pending. Single-family homes and duplexes are excluded from the program.
  • Before buying a unit in a condo building of three or more habitable stories, ask for the structural integrity reserve study and, once the building is 30 years old (25 where the local building official requires it), the milestone inspection, both required under Florida law.
  • If the policy will come from Citizens, budget for a separate flood policy: Citizens home policies that include wind coverage already need one in high-risk flood zones or at a dwelling value of $400,000 or more, and all of them will from January 1, 2027. Condo unit-owner and renter policies are exempt.

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Have a Miami property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Miami: common questions

Do you offer hard money loans in Miami?

Yes. United Lending LLC offers private real estate financing for investors in Miami and the rest of Miami-Dade County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Miami?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Little Havana, Little Haiti and Allapattah, among other parts of Miami.

How much can I borrow for a Miami flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Miami?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Miami or have a Florida LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Florida, your loan officer will tell you what's needed before closing.

Florida

More places we lend in Florida

Sources (6)Checked November 9, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. Florida Department of Revenue: documentary stamp tax
  2. Fla. Admin. Code R. 12B-4.012: rate and Miami-Dade surtax
  3. Miami-Dade County: building recertification
  4. Florida DBPR: condominium milestone inspections and SIRS
  5. Citizens Property Insurance: flood insurance requirement
  6. Bisnow (April 2026): development in Little Haiti and Little River