Miami, FL
Miami Financing for Rental, Multifamily and Mixed-Use Property
Insource Funding is a direct private lender for rental, bridge, multifamily, mixed-use, and commercial property purchases and refinances in Miami. Loans range from $100,000 to $5 million with asset-based underwriting—no DSCR, personal-income verification, or tax returns.
Use the property and requested loan—not personal income or tax returns—to start the conversation.
Direct Lender
Since 2001
$100K–$5M
Loan amounts
No DSCR
Or income verification
Purchases + Refinances
Including cash-out
Get a Quote for Your Miami Property
Tell us about the property and the financing you need. We issue same-day term sheets when the initial scenario fits our guidelines.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
Loan programs
Investment Property Financing Available in Miami
All programs are for business-purpose, non-owner-occupied real estate. Purchases and refinances are available, subject to property and borrower qualification.
Financing Needs We Handle
Purchasing an investment property
Financing for an eligible rental, multifamily, mixed-use, or commercial acquisition.
Replacing an existing loan
Rate-and-term refinancing for investment property debt.
Taking cash out of available equity
Business-purpose cash-out based on the property and requested loan.
Refinancing a maturing loan
Financing for an approaching balloon payment or loan maturity.
Miami real estate
What Investors Should Know About Miami Real Estate
Miami investors work across several distinct markets. Downtown and Brickell have a deep condominium and high-rise rental inventory; Flagler Street and Biscayne Boulevard add neighborhood retail and mixed-use buildings; smaller rentals and apartments extend well beyond the urban core. We finance each of those property types for purchases and refinances.
Condominium buyers need a clear view of rental rules, assessments, reserves, and applicable milestone-inspection records because those items affect the real cost of ownership. Miami-Dade requires qualifying older buildings to undergo periodic recertification. Neither issue needs to hold up an initial conversation about terms.
Local ownership notes
Condominiums, Apartments, and Mixed-Use Buildings in Miami
A non-owner-occupied condominium may fit the 30-year rental program, while an apartment or mixed-use building is considered under the multifamily or commercial program. Bridge financing can address a purchase or maturing loan when long-term financing is not the immediate fit.
Flood and wind coverage vary by address and building. Investors can use the FEMA map for an initial location check and obtain a property-specific quote when estimating expenses.
Miami property financing by building type
Property Types
Investment Properties We Finance in Miami
Non-owner-occupied 1–4 unit rentals
Single-family homes, condominiums, and two- to four-unit properties held for investment.
Multifamily properties
Eligible apartment buildings with five or more units.
Mixed-use properties
Buildings combining residential and eligible commercial space.
Office and retail
Eligible investment office and retail buildings.
Industrial properties
Eligible warehouse, distribution, and light-industrial buildings.
Other eligible commercial property
Business-purpose investment property within current lending guidelines.
Insource Funding
Why Investors Work With Us
Direct Lender Since 2001
Work directly with the people reviewing and funding the loan. More than 6,000 transactions and $1 billion funded.
Asset-Based Underwriting
No DSCR, tax returns, or personal income verification.
Residential and Commercial Investment Properties
Rental, multifamily, mixed-use, office, retail, and industrial properties.
Example financing scenario
Refinancing a Miami mixed-use building
What We Need for an Initial Review
Send the property address, purchase price or estimated value, requested loan amount, property type, purchase or refinance purpose, current payoff for a refinance, rent information when applicable, and a short explanation of the financing need.
No DSCR, income or employment verification, tax returns, or minimum credit score is required.
Get a QuoteMiami sits inside our broader Florida investor lending coverage. Investors closing here also work with us on rental property loans, bridge financing, and mixed-use deals across the Florida market.
Insource Funding is a direct private lender headquartered at 433 Plaza Real, Suite 275, Boca Raton, Florida.
FAQ
Common Questions
Miami
Have a deal in Miami?
Send the Miami property address, estimated value, requested loan amount, and purchase or refinance purpose. Include the rent roll or leases and any time-sensitive payoff date.