Finance Brickell condos, Wynwood Airbnbs, and Miami Beach vacation rentals using rental income—no W-2 required.
Miami is a global financial crossroads where Latin American capital, tech-industry relocations, and international tourism converge on one of the world's most dynamic real estate markets. The Brickell Financial District alone has seen over $4 billion in new construction since 2020, with condo towers commanding $800-$1,500/sq ft. For investors, Miami's short-term rental market generates some of the highest per-night rates in the country, particularly in South Beach, Wynwood, and the Design District. DSCR loans are the perfect vehicle because they qualify based on the property's rental income, not your personal tax returns—ideal for self-employed investors, foreign nationals, and portfolio builders working across Miami's explosive growth corridors.
$400K–$2M+
Financial district high-rises, luxury condo towers, institutional-grade rentals
$350K–$900K
Arts district explosion, Airbnb goldmine, mixed-use conversions
$500K–$3M+
Iconic vacation rental market, international tourism demand
$250K–$450K
Affordable multifamily, strong long-term rental cash flow
$350K–$1.2M
Bayfront condos, rapid appreciation, young professional tenants
We finance condos that other lenders reject—investor-heavy buildings, pending litigation, commercial space over 25%.
No tax returns, no W-2s. If the property covers its debt at 1.0x DSCR or better, you qualify.
Use projected Airbnb/VRBO income from AirDNA to qualify for South Beach and Wynwood properties.
Miami's international market demands it. We offer DSCR loans for foreign investors with as little as 25% down.
Maximize cash flow with interest-only payments for the first 5-10 years on your Miami investment.
Protect your assets by purchasing directly in your LLC or corporation—no personal name on the deed required.
Get your personalized dscr loan rate in minutes. No obligation, no credit impact for pre-qualification.
Yes! We specialize in Miami condo DSCR loans, including non-warrantable condos in Brickell, South Beach, and Edgewater that traditional lenders reject due to investor concentration or pending litigation.
Most Miami DSCR programs require a minimum 1.0 DSCR (break-even). Some programs accept 0.75 DSCR with a larger down payment, recognizing Miami properties typically appreciate rapidly.
Absolutely. We accept projected short-term rental income from AirDNA, Mashvisor, and actual Airbnb/VRBO booking history for Miami Beach, Wynwood, and other high-demand areas.
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