Stated Income Loans in Miami, FL | Commercial Lending Solutions 

Stated Income Loans in Miami, FL

Miami has emerged as a global gateway for commercial real estate investment, driven by international capital flows, population migration from the Northeast, and a thriving financial services sector. The market features strong luxury multifamily, industrial, and office demand, with no state income tax as a major draw.

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Stated Income Financing for Miami Commercial Properties

CLS CRE provides stated income loans for commercial real estate investors in the Miami-Fort Lauderdale-Pompano Beach market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Miami properties.

Loan Amount
$5M - $50M+
Term
5 - 30 Years
Rates
7.00% - 11.00%
Ltv
Up to 70% LTV
Qualification
Bank Statements, Asset Depletion, or Property Income
Recourse
Non-Recourse Available

Stated Income Loans in Other Cities

Stated Income Loans in Miami FAQ

The best commercial lenders in Miami depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive stated income loans financing for your Miami property. Contact us for a customized lender recommendation.
Current stated income loans rates in Miami range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Miami-Fort Lauderdale-Pompano Beach market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Miami typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Miami offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Miami-Fort Lauderdale-Pompano Beach market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.


Get Stated Income Financing in Miami

Contact Commercial Lending Solutions for a free, no-obligation stated income loan quote for your Miami commercial property.

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Or call us: 310.708.0690

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