FL · Miami
Investment Property & DSCR
Loans in Miami, FL
DSCR, bridge, fix & flip, renovation, and construction loans for residential investment property in Miami. $1M to $5M, term sheet in 24 to 48 hours. Foreign nationals welcome.
Miami is the single most important US market for international real estate investors, and the heart of what we do. More foreign capital flows into Miami property than anywhere else in the country, from Europe and Latin America especially, drawn by USD-denominated rental yield, no state income tax, and a deep, liquid market.
Passy Capital finances both foreign nationals and US investors buying Miami real estate. For international buyers, the loan is made to a US LLC and qualifies on the property and your liquidity rather than a US credit history, so no US Social Security number or US credit file is required. Core deals run from $1M to $5M with a fast close, on the same terms a US investor receives.
From Brickell high-rises to Sunny Isles condos, Aventura, Coral Gables and Edgewater, we work with capital sources that understand Miami's international investor base, its condo-association and hurricane-insurance requirements, and the pace international buyers need to compete with cash.
Miami Market Highlights
#1 Foreign-Buyer Market
Miami consistently leads the US in foreign real estate purchases, with European and Latin American buyers the largest international groups.
No State Income Tax
Florida levies no state income tax, a structural advantage that compounds the USD yield for international investors holding Miami rentals.
USD Diversification
Euro, sterling, Swiss franc and Latin American capital flows into Miami property as a hedge into a stable, dollar-denominated asset market.
Condo & Luxury Pipeline
An active luxury and mid-market condo pipeline across Brickell, Edgewater, Sunny Isles and the waterfront corridors.
Population & Wealth Migration
Domestic migration from high-tax states plus relocating finance and tech firms keep rental demand and prices firm.
Tourism Economy
Over 25 million visitors a year support strong short-term-rental, hospitality and retail demand.
Key Submarkets
Brickell
Downtown Miami
Sunny Isles Beach
Aventura
Coral Gables
Coconut Grove
Edgewater
Wynwood
Miami Beach
Bal Harbour
Doral
Key Biscayne
Property Types We Finance
Condominiums
Single Family (1-4)
Multifamily
Mixed-Use
Luxury Residential
Retail
Hospitality
Office
Loan Programs
Bridge Loans
Short-term financing for acquisitions and repositioning.
Construction
Ground-up and heavy rehab financing with flexible draws.
Renovation / Rehab
Value-add financing for rehab and repositioning.
Fix & Flip
Fast capital for residential and small commercial flips.
DSCR / Rental
Long-term rental financing based on property cash flow.
Financing Miami property as a foreign national
Miami is where most international buyers start, and the financing question is almost always the same: can I borrow here without a US credit history? The answer is yes. The deal is structured as business-purpose financing made to a US LLC, secured by the property and underwritten on the asset and your liquidity, not on a US credit file. That is what lets a buyer based in Europe or Latin America borrow on the same terms as a US investor.
The first step is forming a US LLC to hold the property and act as the borrower. A non-resident can own one with no US residency and no Social Security number, and it is faster and cheaper to set up than most home-country equivalents. Once the LLC is in place and funded, the loan is made to it.
Where international buyers concentrate
- Brickell & Downtown. The center of gravity for Latin American buyers and the condo-investor market.
- Sunny Isles & Bal Harbour. Long favored by European and international buyers for beachfront condos.
- Aventura. A hub for Latin American and Israeli-American families, with strong rental demand.
- Coral Gables & Coconut Grove. Established luxury for European and relocating-executive buyers.
- Edgewater & Wynwood. Newer waterfront and mixed-use product, popular with yield-focused investors.
If you are buying Miami property from abroad, start here:
Frequently asked questions
Can a foreign national get a loan to buy property in Miami?
Yes. A non-US citizen can finance Miami investment property through business-purpose lending made to a US LLC. The loan qualifies on the property and your liquidity rather than a US credit history, so no US Social Security number or US credit file is required. Core deals run from $1M to $5M.
Do I need US credit or a US bank account to buy in Miami?
No. Because the financing is asset-based and made to a US LLC, you do not need an established US credit history, a US Social Security number, or an existing US bank relationship to qualify. You set up a US LLC and a US business bank account as part of the process.
Why is Miami so popular with European and Latin American buyers?
Miami offers USD-denominated rental yield, no Florida state income tax, a deep and liquid market, and direct connectivity to Europe and Latin America. It consistently leads the US in foreign real estate purchases, which is why it is the flagship market for international investors.
How fast can a foreign national close on a Miami property?
Core transactions in the $1M to $5M range are built for a fast close, often around two weeks once the US LLC is in place and the asset and funding documentation is assembled. Starting the LLC early is the best way to keep the financing on a fast track and compete with cash buyers.
Learn More
Can a UK citizen get a loan for US investment property?
How British investors finance US property through a US LLC, qualified on the asset rather than US credit.
How to Set Up a US LLC as a Foreign Investor
Why a US LLC is the foundation of financing US property as a non-resident, which state to form in, and what it costs.
Foreign National US Property Financing Options Compared
DSCR, bridge and fix-and-flip for foreign nationals, and how to pick the right product for a Miami deal.
Other Cities in Florida
We also finance commercial real estate across other major Florida markets.
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