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Miami, FL

Miami mortgage and investor loans

Quick answerWe arrange home loans and investor loans for Miami properties in Miami-Dade County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in Miami

Investor

DSCR Loans in Miami

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in Miami

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in Miami

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Miami

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in Miami

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Miami

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

First-Time Homebuyer Loans in Miami

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

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VA Loans in Miami

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Condo Loans in Miami

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in Miami

  • Brickell
  • Wynwood
  • Little Havana
  • Coconut Grove
  • Coral Way

Why borrowers look at Miami

Miami is a global gateway city where Latin American capital, finance, tech and tourism all collide. Brickell and Downtown are stacked with luxury condo towers that draw international buyers and investors chasing rental yield and appreciation. Wynwood and Little Havana mix art-driven lofts, older bungalows and new mixed-use projects, while Coconut Grove and Coral Way offer leafy single-family streets with historic character. The housing stock swings from high-rise condos with HOA dues that can rival the mortgage to mid-century ranch homes. Buyers come for job growth in finance and healthcare, investors for year-round rental demand. Underwriting condos here means scrutinizing budgets, reserves and insurance-driven assessments, not just the price.

Local market snapshot: Miami

Median home value$518,100City of Miami · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,758/moCity of Miami · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.76% (approx.)Miami-Dade County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: Miami sits in a high wind and flood exposure zone, and insurance costs are among the steepest in the state. Condo buyers face an extra layer of risk: master policies, reserve funding and post-Surfside safety rules directly affect both insurability and loan approval. Getting an insurance quote early is essential here.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in Miami

  • Pull the Miami-Dade County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in Miami.
  • Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.

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Other Florida cities

Neighborhoods in Miami

FAQ

What loans can I get in Miami, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in Miami?

Miami-Dade County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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