Mixed-Use & 2-8 Unit Loans in Florida
Florida small multifamily and mixed-use is concentrated in Miami-Dade urban infill, Tampa Bay (Seminole Heights, Riverside), Jacksonville, and Orlando. State has been net-positive on permitting and zoning reform for missing-middle housing in many metros.
Top Florida markets for mixed-use & 2-8 unit
- Miami-Dade: Wynwood, Allapattah, Little Haiti - mixed-use redevelopment.
- Tampa Bay: Seminole Heights, Riverside duplex/triplex inventory.
- Orlando: Downtown infill 2-8 unit converted bungalows and SROs.
Florida quick facts
- •Active urban small-MF market
- •Missing-middle zoning reforms ongoing
- •No state income tax
Active programs available in Florida
Non-QM Investor Loan
confirmed 6/2/2026Commercial mortgage program offering up to 90% CLTV for various property types including mixed-use, multi-family, and retail. Allows for flexible deal structuring including seller carrybacks and second liens.
Specialized Investor Loan Program
confirmed 5/10/2026Small-balance commercial mortgage program offering 5-year ARM or 30-year fixed terms for purchase, rate-term, and cash-out refinances on Tier 1 and Tier 2 commercial properties.
DSCR Loan for Investment Properties
confirmed 6/8/2026DSCR loan program for residential 1-4 unit, multifamily, and mixed-use investment properties.
DSCR Loan for Investment Properties
confirmed 5/18/2026Debt Service Coverage Ratio loan programs for investment properties, including options for 5-8 unit properties.
Non-QM Investor Loan
confirmed 5/10/2026Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.
DSCR Loan for Investment Properties
confirmed 5/15/2026DSCR-based financing for mixed-use (2-8 units) and residential (5-10 units) investment properties with loan amounts up to $3M.
DSCR Loan for Investment Properties
confirmed 5/14/2026DSCR loan program for mixed-use investment properties, allowing up to 49% commercial square footage.
DSCR Loan for Investment Properties
confirmed 5/14/2026Debt Service Coverage Ratio loan for 1-8 unit residential investment properties with up to 85% CLTV.
DSCR Loan for Investment Properties
confirmed 5/20/2026DSCR loan program for investment properties with various ratio tiers including No Ratio, .80-.99, 1-1.19, and Elite 1.20+.
Specialized Investor Loan Program
confirmed 5/11/2026Loans for properties purchased for hunting, recreation, or future use, accommodating unique characteristics like larger acreage and limited improvements.
Specialized Investor Loan Program
confirmed 5/11/2026Financing for rural properties and land use that does not align with standard mortgage programs, including properties that may not operate as full-scale agricultural businesses.
Specialized Investor Loan Program
confirmed 5/11/2026Financing for specialty agricultural properties including orchards, vineyards, groves, and equestrian facilities.
Specialized Investor Loan Program
confirmed 5/11/2026Financing for working land, operational expansion, or transitioning ownership of agricultural properties.
DSCR Loan for Investment Properties
confirmed 5/11/2026A non-QM investment property loan program for residential properties with 5 to 8 units, offering fixed-rate terms and requiring a minimum DSCR of 1.00.
DSCR Loan for Investment Properties
confirmed 5/22/2026A comprehensive suite of Non-QM loan products including bank statement, DSCR, P&L only, and ITIN options with up to 85% LTV and loan amounts up to $4 million.
DSCR Loan for Investment Properties
confirmed 6/6/2026Debt Service Coverage Ratio loan for investment properties, qualifying based on property cash flow rather than personal income.
Non-QM Investor Loan
confirmed 5/22/2026Non-QM loan programs including DSCR for 5-8 units and Jumbo options with pricing improvements available for April.
Bridge Loan for Investors
confirmed 6/4/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for residential 5-8 unit investment properties, offering fixed-rate and interest-only options with loan amounts up to $3 million.
Non-QM Investor Loan
confirmed 5/9/2026A 30-year fixed rate program for various property types including residential and commercial, featuring no minimum credit score requirement at 50% LTV.
DSCR Loan for Investment Properties
confirmed 5/26/2026A non-QM investment property loan for 5-8 unit residential properties, offering fixed-rate and interest-only options with a minimum DSCR of 1.00.
Florida Mixed-Use & 2-8 Unit FAQs
FL 5-8 unit DSCR - typical rate vs. SFR DSCR?
Typically 0.25-0.5% above SFR DSCR. FL has multiple lenders comfortable with small multifamily; pricing competitive.
FL mixed-use commercial-space ratio caps?
Most programs require residential >50% of gross rent. Miami-Dade urban projects often have 30-40% retail; lender review required.
General mixed-use & 2-8 unit questions
What’s the difference between a 5-unit DSCR and a commercial multifamily loan?
A 5-unit DSCR loan uses residential underwriting (single appraiser, no commercial DCR analysis, no recourse trigger from KPIs) at smaller loan sizes. Commercial multifamily uses a Yield Maintenance / Defeasance / DSCR-floor structure and is usually $1M+. DSCR programs are simpler and faster for 5-8 unit properties under $2M.
How is mixed-use defined?
Most programs require residential rent to make up at least 51% of gross income. Commercial space cannot exceed 35–49% of total square footage depending on the lender.
Will a vacant commercial unit kill my DSCR?
Vacant commercial space is usually credited at 0 income, which lowers DSCR. A few programs allow market-rent crediting for vacant commercial if comparable leases support it.
See live Florida pricing
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