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.
Commercial Loan — Short Application
Tell us about the property and the loan you need — we’ll reply with a quote.
Thank you!
Frequently Asked Questions
What types of properties can I finance with apartment building loans in Florida?
You can finance various types of multifamily properties, including apartment buildings with 5 or more units, garden-style and mid-rise complexes, student housing, affordable housing projects, mixed-use buildings with residential units, and value-add or stabilized rental properties.
What loan programs are available for apartment building financing?
Commercial Loans Florida offers a variety of loan programs, including DSCR Loans, Agency Loans, Bridge Loans, Bank and Credit Union Loans, Portfolio Loans, and Construction Loans.
What are the loan amounts and terms available for apartment building loans?
Loan amounts range from $500,000 to over $100,000,000, with terms varying from 5 to 30 years. Additionally, you can expect fixed and floating rate options.
Why should I choose Commercial Loans Florida for my apartment financing needs?
Investors choose Commercial Loans Florida because they understand the local markets and provide well-structured, investor-friendly financing tailored to the competitive Florida apartment market.
Can I get a loan for a new apartment development?
Yes, Commercial Loans Florida offers construction loans specifically for new apartment developments.
How can I contact Commercial Loans Florida for a consultation?
You can call (727) 642-1166 or email dcaceres@commercial-loans-florida.com to get a free consultation and custom quote.