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$25 Million Multifamily Loans in Miami

Commercial Lending Solutions arranges $25 million multifamily loans throughout the Miami-Fort Lauderdale-Pompano Beach metropolitan area. Current rates range from 4.85% to 6.25% with 60% to 75% leverage and 7 to 15 years terms, depending on the execution pathway (Fannie Mae, Freddie Mac, life insurance company, CMBS, or bank). Miami's multifamily fundamentals, vacancy of 5.2%, rent growth of 5.5%, cap rates of 4.75%-5.25%, remain attractive to lenders as of 2026.

At a Glance: $25 Million Multifamily Loan in Miami

Loan amount range$22M to $30M
Interest rate range (2026)4.85% to 6.25%
Typical LTV60% to 75%
Typical term7 to 15 years
Active lender typeslife insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds
Miami multifamily vacancy5.2%
Miami rent growth (YoY)5.5%
Miami multifamily cap rates4.75%-5.25%

Why a $25 Million Multifamily Loan in Miami?

A $25 million multifamily loan in Miami is the capital markets execution level, where life companies offer their tightest spreads, agency lenders deliver premium pricing, and CMBS conduits maximize proceeds through non-recourse structures. Commercial Lending Solutions runs a competitive process across life insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds to secure the most aggressive terms available for your specific deal.

The Miami multifamily market benefits from demand driven by finance, international trade, tourism, technology, healthcare, with the strongest submarkets including Brickell financial district, Wynwood creative corridor, Doral industrial, Fort Lauderdale mixed-use.

Multifamily Submarkets We Finance in Miami

  • Brickell
  • Wynwood
  • Doral
  • Coral Gables
  • Fort Lauderdale
  • West Palm Beach
  • Miami Beach
  • Aventura

Lender Programs for $25 Million Multifamily in Miami

  • Fannie Mae DUS: The most competitive source for stabilized market-rate multifamily in Miami. Non-recourse, up to 80% LTV, 5 to 30 year terms.
  • Freddie Mac Optigo Conventional: Direct competitor to Fannie Mae DUS, often pricing aggressively on specific Miami deal profiles.
  • Fannie Mae and Freddie Mac Small Balance Loan programs: Streamlined agency execution for loans starting at $1M, especially efficient for 5 to 50 unit product.
  • Life insurance company loans: Lowest fixed rates and longest terms for Class A and Class B institutional multifamily, with leverage typically capped at 65% to 70%.
  • CMBS conduit loans: Non-recourse fixed-rate financing for multifamily with higher leverage options, especially for portfolios or secondary-market assets.
  • Regional and national banks: Relationship-driven execution with flexibility on recourse, prepayment, and underwriting exceptions.
  • HUD/FHA 223(f) and 221(d)(4): 35 to 40 year fully amortizing non-recourse execution for long-term holders of market-rate, workforce, and affordable multifamily in Miami.

Frequently Asked Questions

As of 2026, $25 million multifamily loans in Miami price at approximately 4.85% to 6.25%, depending on the lender type, property quality, leverage, and sponsor profile. Fannie Mae and Freddie Mac agency execution typically delivers the tightest rates for stabilized properties, while life insurance companies price aggressively for Class A and Class B product in Miami's strongest submarkets, and CMBS conduits offer non-recourse terms at competitive pricing.
Most $25 million multifamily loans in Miami support 60% to 75% LTV. Agency programs (Fannie Mae DUS, Freddie Mac Optigo) can reach 80% LTV for stabilized properties with 1.25x minimum DSCR. Life insurance companies typically cap at 65% to 70% LTV in exchange for the tightest spreads. CMBS conduits offer up to 75% LTV with non-recourse structures and yield maintenance prepayment.
A $25 million multifamily loan in Miami is the capital markets execution level, where life companies offer their tightest spreads, agency lenders deliver premium pricing, and CMBS conduits maximize proceeds through non-recourse structures. At this size, Commercial Lending Solutions runs a competitive process across life insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds to capture the most aggressive terms available for your specific deal and submarket.
Agency multifamily loans in Miami typically close in 45 to 90 days. Life insurance company and CMBS loans usually require 60 to 90 days. Small balance loans and bridge loans can close faster, in 30 to 60 days for agency SBL and as little as 2 to 4 weeks for well-structured bridge executions. Timelines depend on property complexity, lender choice, and third-party report turn times.
Commercial Lending Solutions is a commercial mortgage brokerage with direct relationships across more than 1,000 capital sources, including every major Fannie Mae DUS and Freddie Mac Optigo lender, the largest life insurance companies, every active CMBS conduit, and the deep bench of regional banks and credit unions serving the Miami market. We run a competitive process for your deal, which typically produces better rates, higher leverage, and more flexible structures than a single-lender execution.

Ready to Get a Quote?

Commercial Lending Solutions will run your $25 million Miami multifamily deal through 1,000+ capital sources in under 24 hours. Term sheets typically return within 48 to 72 hours of a complete loan request.

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Commercial Lending Solutions is a commercial mortgage brokerage headquartered in Los Angeles, California, serving borrowers in all 50 states. Trevor Damyan, California DRE #02244836. This page provides general commercial loan information; actual rates, terms, and leverage depend on the specific property, sponsor profile, and market conditions at the time of quote. Information current as of 2026.