Commercial Mortgage Loans in Miami

Miami's gateway for international capital and domestic growth needs a broker with 1,000+ lender relationships. One application. Multiple competing term sheets. $1M to $100M+.

Get a Free Quote → Call 310.708.0690
No upfront fees. Response within 24 hours. Nationwide coverage.
$1B+Loans Closed
1,000+Lender Network
$1M-$100M+Loan Amounts
50 StatesNationwide Coverage

Miami Commercial Real Estate Financing

Miami has transformed into one of the world's premier commercial real estate markets. Fueled by international capital flows from Latin America, Europe, and beyond, combined with a massive domestic migration of wealth, tech companies, and financial firms from the Northeast, South Florida is experiencing a development and investment cycle unlike any in its history.

Commercial Lending Solutions brings institutional-level financing to the Miami market through a network of over 1,000 capital sources. Whether you're acquiring a luxury hospitality asset on Miami Beach, developing a mixed-use tower in Brickell, or financing a multifamily portfolio in Hialeah, we create competition among lenders for your deal.

Miami Market Highlights

  • International capital gateway: Miami is the top U.S. market for cross-border real estate investment, with capital flowing from Latin America, Canada, and Europe, lenders who understand foreign national borrowers are critical
  • Luxury hospitality hub: South Beach, Sunny Isles, and the Design District command some of the highest hotel RevPAR in the country, driving demand for hospitality financing
  • Brickell & Downtown development: Miami's financial district is undergoing a high-rise construction boom with mixed-use towers combining office, residential, and retail
  • Wynwood & Design District: Former warehouse neighborhoods have been transformed into high-value retail, creative office, and mixed-use destinations
  • Population & corporate migration: Citadel, Goldman Sachs, Blackstone, and major tech firms have opened or expanded Miami offices, driving Class A office demand and luxury residential growth
  • No state income tax: Florida's tax-friendly environment continues to attract high-net-worth individuals and businesses from high-tax states

Key Miami Submarkets We Finance

  • Brickell / Downtown Miami, high-rise office, mixed-use, luxury condo
  • Miami Beach / South Beach, hospitality, luxury retail, condo
  • Wynwood / Design District, creative office, retail, mixed-use
  • Coral Gables, Class A office, luxury retail, hospitality
  • Doral / Miami Airport Area, industrial, logistics, flex office
  • Hialeah / Miami Gardens, workforce multifamily, industrial
  • Sunny Isles / Aventura, luxury condo, hospitality, retail
  • Fort Lauderdale / Broward, multifamily, office, marine industrial

Loan Programs

Permanent Loans

5.50%, 7.50% | 5-30 yr terms

Long-term fixed and adjustable-rate financing for stabilized Miami properties. Agency, CMBS, bank, life company, and credit union execution.

Bridge Loans

8.00%, 11.00% | 12-36 months

Short-term financing for Miami acquisitions, condo inventory loans, and lease-up properties. Close in as little as 2-4 weeks.

Construction Loans

7.00%, 10.00% | 12-36 months

Ground-up construction for condos, multifamily, mixed-use towers, and hospitality projects across South Florida.

SBA 504 / 7(a)

5.75%, 6.75% | 25 yr terms

Owner-occupied commercial properties in Miami. As little as 10% down with below-market fixed rates for qualifying businesses.

Mezzanine / Pref Equity

10%, 15% | Custom terms

Subordinate financing to reduce equity on larger Miami developments. Critical for high-rise and hospitality projects requiring significant capital stacks.

CMBS Loans

5.75%, 7.25% | 5-10 yr terms

Non-recourse conduit financing for larger Miami commercial properties. Competitive fixed rates with higher leverage.

Property Types We Finance in Miami

Multifamily
Hospitality
Mixed-Use
Retail
Office
Industrial
Condo Development
Self-Storage
Medical Office
Marina / Marine

How It Works

1

Tell Us About Your Miami Deal

Fill out the form or call us with your property details, loan amount, and timeline. We respond within 24 hours.

2

We Shop Your Deal

We present your deal to lenders active in the South Florida market and collect competing term sheets. You review and select the best option.

3

We Close Your Loan

We manage the full process, underwriting, appraisal, legal, title, and coordinate everything through funding.

The Commercial Lending Solutions Advantage

  • Access to 1,000+ lenders, banks, credit unions, life companies, CMBS, debt funds, and private lenders
  • Experience with foreign national borrowers and cross-border capital structures
  • One application, multiple competing term sheets
  • No upfront fees, we only get paid when your loan closes
  • Institutional-level execution with personal, one-on-one service
  • Deep expertise in hospitality, condo development, and mixed-use financing
  • Over $1 billion in commercial loans closed nationwide
Prefer to talk? Call or text the broker directly.
310.708.0690 Text 310.758.3064
Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your Miami Commercial Loan Quote

Fill out the form below. We respond within 24 hours.

No Upfront Fees
$1B+ Loans Closed
24-Hour Response
Nationwide Coverage
DRE #02244836
FAQ

Miami Commercial Loan Questions

Yes. Miami's real estate market attracts significant international capital, and we work with lenders who specialize in foreign national borrower programs. While requirements vary by lender, many offer loans to non-U.S. citizens with 30-40% down, ITIN or passport-based identification, and foreign income documentation. We can help structure your deal to meet these lender requirements.
Absolutely. Hospitality is one of Miami's defining asset classes, and we have deep experience arranging hotel and resort financing across South Florida. From boutique hotels in South Beach to full-service resorts in Sunny Isles, we work with lenders who understand seasonal revenue patterns, Miami's tourism dynamics, and the unique underwriting requirements of hospitality properties.
As of early 2026, commercial mortgage rates in Miami vary by loan type: permanent loans range from approximately 5.50% to 7.50%, bridge loans from 8% to 11%, SBA 504 loans from 5.75% to 6.75%, and construction loans from 7% to 10%. Miami's strong demand and population growth often support favorable lender terms for well-located properties. Contact us for a rate quote specific to your deal.
Yes. Miami is one of the most active condo development markets in the U.S. We work with construction lenders and preferred equity providers who finance ground-up condo projects, condo conversions, and condo inventory loans. These deals typically require strong pre-sales, experienced sponsors, and significant equity, our role is to find the capital source that offers the best terms for your specific project.
No. There is no upfront cost for a consultation or loan quote. Our brokerage fee is earned at closing when your loan funds, meaning our interests are aligned with yours, we don't get paid unless you get financed.

Important Loan Disclosures

Representative Example: An $8,000,000 permanent commercial mortgage at a 6.75% fixed rate with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $51,900. Total amount repayable over the 10-year term: approximately $6,228,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Commercial mortgage rates currently range from approximately 5.85% to 7.50%, depending on loan type, property type, leverage, borrower qualifications, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Commercial mortgage terms range from 5 to 30 years with 25-30 year amortization schedules. Maximum loan-to-value (LTV) up to 75% for most programs. Loans may be recourse or non-recourse depending on the program and lender. Prepayment penalties may apply.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

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