Airbnb & Multifamily Investment Loans in Florida
Airbnb & Multifamily Investment Loans in Florida
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.
Loan options include:
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.
📞 Call
(727) 642-1166
or email
to speak with a Florida investor loan specialist today.
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727-642-1166
This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.