Up to 80%
Max Purchase LTV
Up to 75%
Cash-Out Refi LTV
1-8 Units
Eligible Asset Types
10-14 Days
Typical Close
Miami-Dade Portfolio Lending
Unlock trapped equity without tax-return friction
Miami investors holding 5 to 25+ doors across Little Havana, Hialeah, North Miami, Miami Gardens, and Homestead know that conventional bank underwriters choke on accelerated depreciation, multiple LLC entities, and tight closing deadlines.
Adler Capital structures Miami DSCR loans specifically for active operators. Whether you are purchasing a cash-flowing fourplex, executing a cash-out refinance on a stabilized single-family rental, or paying off a high-interest bridge note from a Miami hard money renovation, our underwriting focuses on the higher of in-place lease income or Form 1007 market rent.
DSCR Cash-Out Refi - Little Havana Triplex
Investor owned a renovated 3-unit CBS building in Little Havana carrying an maturing 11.5% hard money bridge note. Adler Capital closed a 30-year fixed DSCR cash-out refinance at 75% LTV in 13 days, cutting the monthly payment and returning net equity to acquire another property in North Miami.
Miami-Dade Coverage
Submarkets we fund every week in Miami-Dade
2-4 Unit Workforce Multifamily & Duplexes
Little Havana, Allapattah & Shenandoah
Miami's core duplex, triplex, and fourplex submarkets where strong per-door rents ($2,300 to $3,200/unit) generate 1.20x+ DSCR ratios for buy-and-hold investors.
High-Yield Single-Family & ADU Rentals
North Miami, Hialeah, Miami Gardens & Opa-locka
Workforce single-family homes and multi-generational layouts west of I-95 offering lower flood-insurance drag and reliable Section 8 / market-rate cash flow.
Warrantable & Non-Warrantable Condos / STR
Brickell, Edgewater, Wynwood & Miami Beach
30-year DSCR financing for investor condos, non-warrantable high-rises, and licensed short-term rental units underwritten on trailing 12-month Airbnb/VRBO payouts.
Executive Single-Family & Townhome Portfolios
Coral Gables, Coconut Grove, Kendall & Doral
Low-vacancy long-term rentals up to $3.5M loan size structured for LLC borrowers and Foreign National investors expanding South Florida portfolios.
Common Questions
Miami DSCR Loans - FAQ
What is the minimum DSCR ratio required for a rental property in Miami?
Standard Miami DSCR programs start at 1.00x (meaning gross monthly rent equals or exceeds monthly PITIA). Properties with a DSCR of 1.20x or higher unlock the lowest interest rates and up to 80% purchase LTV, while No-Ratio DSCR options (0.75x to 0.99x) are available for higher-equity acquisitions.
Can I cash-out refinance a Miami property out of a hard money loan into a DSCR loan?
Yes. We routinely refinance Miami-Dade investors out of short-term bridge or hard money debt into 30-year fixed DSCR loans at up to 75% of the new appraised value once renovations are finished and leases are executed.
Do you offer DSCR loans on Miami duplexes, triplexes, and 4-unit buildings?
Yes. 2-4 unit residential multifamily properties in Little Havana, Allapattah, Hialeah, and North Miami are among our highest-performing DSCR assets because multi-unit rent rolls absorb Florida property tax and windstorm insurance expenses efficiently.
Are Foreign National and ITIN investors eligible for Miami DSCR loans?
Yes. International investors from Latin America, Canada, Europe, and Israel can acquire or refinance Miami rental properties through a US LLC using our Foreign National DSCR program without a US credit score or US tax return.
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