Apartment Building Loans in Florida
Apartment Building Loans in Florida
Whether you're buying your first apartment complex or refinancing a stabilized asset,
Commercial Loans Florida, Inc.
offers specialized lending programs for multifamily properties across Florida. From small buildings to large-scale developments, we provide apartment financing solutions tailored to your investment goals.
What We Finance
We provide loans for all types of multifamily properties, including:
Apartment buildings (5+ units)
Garden-style and mid-rise complexes
Student housing
Affordable housing projects
Mixed-use buildings with residential units
Value-add and stabilized rental properties
Loan Programs for Multifamily Investors
We offer a wide range of financing options for apartment buildings, including both conventional and non-traditional lending programs.
Common loan types include:
DSCR Loans (Debt Service Coverage Ratio) – Approval based on property income, not borrower income
Agency Loans (Fannie Mae/Freddie Mac) – Ideal for stabilized, long-term multifamily investments
Bridge Loans – Short-term capital for acquisitions, repositioning, or lease-ups
Bank and Credit Union Loans – Great for mid-size portfolios or owner-occupied units
Portfolio Loans – Finance multiple properties under one umbrella loan
Construction Loans – For new apartment developments
Loan Highlights
Loan amounts from $500,000 to $100,000,000+
Up to 80% LTV for purchases; up to 75% for cash-out refinance
Terms from 5 to 30 years
Fixed and floating rate options
Interest-only periods available
Fast closings, especially on bridge and DSCR loans
Why Investors Choose Commercial Loans Florida
Florida’s apartment market is booming—and competition is strong. You need a lender who understands the local markets, zoning challenges, rent comps, and valuation methods for multifamily properties. We’ve helped investors across the state succeed with well-structured, investor-friendly financing.
We work with:
Individual investors and LLCs
Syndicators and real estate funds
Out-of-state and international buyers
Developers and fix-to-rent operators
Let’s Grow Your Portfolio
Apartment buildings offer long-term wealth and cash flow. Whether you’re buying a 6-unit or a 100+ unit property, we’ll help you secure the right loan to scale your multifamily investment business.
At Commercial Loans Florida, we help multifamily investors maximize returns—one unit at a time.
© 2025 Commercial Loans Florida, Inc. - All Rights Reserved.
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.