Looking to invest in short-term rentals or multifamily properties? At Commercial Loans Florida, Inc., we specialize in
investor-friendly loans for Airbnb properties, apartment buildings, and rental portfolios across Florida. Whether you're scaling a vacation rental business or growing long-term cash flow through multifamily housing, we have the financing tools to help.
What We Finance
Our loan programs support a wide range of income-producing properties, including:
- Airbnb and other short-term rental (STR) properties
- Vacation homes operated as income properties
- Duplexes, triplexes, and fourplexes
- Small-to-mid-size apartment buildings (5+ units)
- Mixed-use buildings with residential components
- Investor portfolios with multiple rental doors
Airbnb / Short-Term Rental Loan Programs
Short-term rental (STR) properties require flexible underwriting. We offer dedicated Airbnb loan programs that consider your rental income potential, not just traditional tax returns.
- DSCR Loans (Debt Service Coverage Ratio):Approvals based on property income
- Short-Term Rental (STR) Loans:Use projected or actual Airbnb income to qualify
- No-Doc & Bank Statement Loans:Great for self-employed investors
- Cash-Out Refinance:Reinvest equity into additional Airbnb properties
- Bridge Loans:Fast acquisitions or renovation funding
Multifamily Investment Loan Programs
- Long-Term Rental Loans:30-year fixed, DSCR-qualified
- Portfolio Loans:Bundle multiple properties under one loan
- Bridge Loans:Ideal for value-add repositioning
- Construction Loans:Build new multifamily investment units
- Agency and Private Loans:Fannie/Freddie or non-QM programs
Loan Highlights
- Loan amounts from $150,000 to $25,000,000+
- Up to 80% LTV for purchases
- No personal income or tax returns required (on DSCR loans)
- Based on actual or projected Airbnb rental income
- Fast closings (10–21 days for DSCR and bridge loans)
- Financing available in LLCs, trusts, and corporations
Why Florida Real Estate Investors Choose Us
Florida is one of the top states in the U.S. for both vacation rentals and multifamily income properties. From beachside Airbnb listings to urban apartment complexes, we help investors unlock ROI with flexible, fast capital.
We understand, Airbnb rental projections and seasonality:
- Airdna, VRBO, and STR performance data
- Rent roll analysis and market cap rates
- Real estate tax strategies and BRRRR-friendly lending
Let’s Grow Your Investment Portfolio
From house-hackers to full-time real estate investors, we help you scale with purpose—and profit.
At Commercial Loans Florida, we don’t just fund properties—we help investors build wealth, one unit at a time.
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Frequently Asked Questions
What types of properties can I finance with your loans?
We finance a wide range of income-producing properties, including Airbnb and other short-term rental properties, vacation homes, duplexes, triplexes, fourplexes, small-to-mid-size apartment buildings, mixed-use buildings, and investor portfolios.
What are the loan options available for Airbnb properties?
Our loan options for Airbnb properties include DSCR Loans, Short-Term Rental Loans, No-Doc Bank Statement Loans, Cash-Out Refinance, and Bridge Loans.
What are the benefits of your multifamily investment loan programs?
Our multifamily investment loan programs offer benefits such as 30-year fixed Long-Term Rental Loans, Portfolio Loans to bundle multiple properties, Bridge Loans for repositioning, Construction Loans for new units, and options through Agency and Private Loans.
What are the loan amounts and terms you offer?
We offer loan amounts ranging from $150,000 to over $25,000,000, with up to 80% LTV for purchases and fast closings typically within 10–21 days for DSCR and bridge loans.
Do I need to provide personal income or tax returns for your loans?
No personal income or tax returns are required for DSCR loans, as approvals are based on actual or projected Airbnb rental income.
How can I contact you for more information?
You can call us at (727) 642-1166 or email dcaceres@commercial-loans-florida.com to speak with a Florida investor loan specialist.