South Florida Coverage

Hard Money & DSCR Loans in Miami

Miami investors need a lender who can move at the speed of the market. We close like cash.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Miami. From Wynwood condo conversions to Allapattah multifamily and short-term-rental holds in Miami Beach, we fund the strategies that actually work in this market. Asset-based underwriting, no personal income verification on bridge, no W-2 docs on DSCR.

Get a Quote for a Miami Deal Call (410) 855-4600
Miami city skyline
Miami
5–7 daysTypical close on Miami bridge deals
70% LTVUp to, with 100% rehab funding
10+Miami neighborhoods we know
Loan Products Available in Miami

What We Fund Here

Both of our core products are available in Miami to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Neighborhoods We Know

Miami Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Miami.

Wynwood

Condo conversions and small multifamily plays. Tight inventory but strong ARV growth and rental demand.

Little Havana

Active fix-and-flip market with reliable comps. Solid entry-level price points and steady investor activity.

Brickell

Condo investor territory. We fund DSCR rentals on stabilized condos with strong rent-to-price ratios.

Edgewater

High-rise rental holds and BRRRR strategies. Premium DSCR cash flow in well-positioned units.

Allapattah

One of Miami's most active value-add markets. Multifamily and SFR opportunities at attractive basis.

Liberty City & Little Haiti

Block-by-block underwriting territory. Strong rent-to-price spreads where the comps work.

Coconut Grove

Higher-end single-family flips and DSCR holds. Premium ARVs, longer hold times.

Coral Gables

Established luxury market. Larger deal sizes and longer rehab timelines.

Miami Beach

Short-term-rental and traditional DSCR plays. We underwrite STR income with verified booking history.

North Miami & North Miami Beach

Workforce-housing DSCR territory. Steady tenant demand and consistent cash flow.

Local Expertise

What we actually know about Miami

A non-exhaustive list of the Miami-specific things we deal with every day.

  • Miami-Dade impact resistance (HVHZ) wind-mitigation requirements and how they affect rehab budgets.
  • Condo association approval timelines — how to underwrite the contingency.
  • Short-term-rental zoning in Miami Beach and Miami-Dade — what's allowed where.
  • FEMA flood zone underwriting and elevation certificates.
  • Special assessments on older condos (post-Surfside) and how to model them.
  • Foreign investor LLC structures — we close on FL LLCs and offshore-owned entities routinely.

Why local knowledge matters

A national lender with a call center won't know that a Miami deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Miami Lending FAQ

Do you lend in Miami?
Yes. Miami is one of our core South Florida markets. We fund both bridge / fix-and-flip and 30-year DSCR rental loans across Miami-Dade.
Do you fund condo deals in Miami?
Yes, on a case-by-case basis. We underwrite the condo association financials, reserves, and pending special assessments. Newer or recently re-certified buildings are easiest.
Can I get a DSCR loan on a short-term rental in Miami Beach?
Yes. We can use verified STR income (booking history from Airbnb or VRBO) to qualify the DSCR. Zoning compliance is a hard prerequisite.
How fast can you close a hard money loan in Miami?
We typically close Miami bridge loans in 5–7 business days. Wind-mitigation and HVHZ inspections sometimes add a day.
Do you fund deals in flood zones?
Yes, with appropriate flood insurance in place. We underwrite the flood premium into the carrying costs and confirm the elevation certificate.
Can foreign investors borrow through a Florida LLC?
Yes. We close on Florida LLCs owned by foreign individuals or offshore entities routinely. The underwriting is asset-based — no personal US tax returns required.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local market knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Miami?

Get a quote in 24 hours or call us right now.

Get a Miami rate Call (410) 855-4600

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