Bridge Loans Miami Beach
Need bridge capital in Miami Beach? From South Beach to Mid-Beach, investors here use short-term, asset-based financing to move on world-class STR and luxury demand – we lend on the property and the exit, not your income.
- Asset-based – we lend on the property and the exit, not your tax returns
- Up to 95% LTC · no maximum loan amount · no cap on the number of properties
- South Beach, Mid-Beach, North Beach & the Sunset Islands
- SF, 2-4 unit, multifamily, mixed-use, retail/office & land
- 6-24 mo interest-only · rates from 7.625% (subject to change) · close in as few as 5 days
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Miami Beach Bridge Loans – Key Facts (2026)
- What it is: A short-term, asset-based loan that bridges the gap between buying and selling or refinancing – funded on the property and the exit, not your income.
- Best for: Short-term-rental and luxury reposition in Miami Beach – fast-close purchases, short-term-rental and luxury reposition across South Beach and Mid-Beach, and reposition before a DSCR refinance.
- Leverage: Up to 95% LTC · no maximum loan amount · no cap on the number of properties. Rates: from 7.625% (subject to change) · 1-3 points.
- Terms: 6-24 month interest-only with extension options, or refinance to a 30-40 yr DSCR/permanent loan. Funding: as fast as 5 days.
- Property types: SF, 2-4 unit, multifamily, mixed-use, retail/office, and land.
- Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Bridge financing in Miami Beach
What is a bridge loan in Miami Beach?
In Miami Beach, a bridge loan lets you act on world-class STR and luxury demand without waiting on a permanent loan. We lend up to 95% of cost across South Beach, Mid-Beach and the rest of Miami-Dade County, then you sell or refinance to a 30-40 year DSCR loan.
| Secured by | The property (asset-based) – no personal income used |
| Max leverage | Up to 95% LTC · no maximum loan amount · no cap on number of properties |
| Rates from | 7.625% (subject to change, deal-dependent) · 1-3 points |
| Terms | 6-24 mo interest-only · extension options · DSCR/permanent exit |
| Funding speed | As fast as 5 days |
| Property types | SF, 2-4 unit, multifamily, mixed-use, retail/office, land |
| Area | Miami Beach and Miami-Dade County – South Beach, Mid-Beach, North Beach, the Sunset Islands |
Eligible properties
Miami Beach bridge loan property types
We bridge investment and business-purpose real estate across the board – residential, multi-family, and commercial:
How we compare
CambridgeHomeLoan vs. Top National Bridge Lenders
Miami Beach investors shop bridge financing on leverage, speed, and cost. Here is how our program stacks up against terms commonly advertised by top national bridge lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 80-85% |
| Max loan amount | No maximum | Often capped |
| # of properties | No cap | Often limited |
| Rates from | 7.625% (STC) | ~10-13%+ |
| Term | 6-24 mo + extensions | 6-12 mo |
| Exit | Sale or 30-40 yr DSCR refi | Interest-only only |
| Funding speed | As fast as 5 days | 10-21 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the bridge market as of 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Miami Beach market data
Miami Beach bridge market at a glance (2026)
Representative 2026 indicators for underwriting context – confirmed per deal by an as-is (and, where relevant, after-repair) appraisal.
Miami Beach bridge deals by the numbers (2026)
- Local driver: World-class str and luxury demand keeps Miami Beach demand active from South Beach to Mid-Beach.
- Speed wins: competitive Miami Beach deals close faster with an asset-based bridge – as few as 5 days.
- Flexible exit: sell into Miami Beach demand, or refinance to a 30-40 yr DSCR loan (short-term-rental and luxury reposition).
Market context is qualitative and provided for illustration only; figures are third-party estimates confirmed per deal by appraisal.
Miami Beach submarkets
Where Miami Beach bridge deals pencil
In Miami Beach, bridge deals pencil across South Beach, Mid-Beach, North Beach – here are representative submarkets and where the numbers tend to work.
| Market | Typical price band (2026)* | Bridge angle |
|---|---|---|
| South Beach | $700K-$2M+ | Value-add – short-term-rental and luxury reposition |
| Mid-Beach | $700K-$2M+ | Reposition – short-term-rental and luxury reposition |
| North Beach | $700K-$2M+ | Buy-before-you-sell – short-term-rental and luxury reposition |
| the Sunset Islands | $700K-$2M+ | Cash-out – short-term-rental and luxury reposition |
*Approximate 2026 ranges for illustration – verify current comps for the specific address (an appraisal sets the value we lend against).
Free tool
Miami Beach bridge loan calculator
Enter your numbers and see your bridge loan, down payment, cash to close, interest-only payment, and financing cost instantly. We lend up to 95% of total cost (purchase plus rehab) – no maximum loan amount. Illustrative only; final loan uses an appraisal.
Your deal
Illustrative only; not a commitment to lend. Rate shown is a working input; program rates start at 7.625% (subject to change). Excludes taxes, insurance, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Miami Beach bridge loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application – or call (800) 826-5077.
Worked example
A real Miami Beach bridge deal
A Miami Beach investment deal bought at $520,000 with a $60,000 rehab/capex budget (total cost $580,000): at up to 95% LTC we bridge about $551,000, leaving roughly $29,000 down (about 5%). With 2 points (about $11,020) and an interest-only payment near $4,128/mo, estimated cash to close is about $40,020 on a 12-month term, with exit by sale or a 30-40 yr DSCR/permanent refinance. No maximum loan amount and no cap on the number of properties. Illustrative only; rates start at 7.625% (subject to change) and value is confirmed by appraisal.
Programs
Miami Beach bridge loan programs
| Purchase bridge | Buy before you sell; fast close on a competitive deal |
| Refinance / payoff bridge | Pay off a maturing loan or partner; buy time to sell or refi |
| Cash-out bridge | Pull equity fast for the next acquisition or renovation |
| Reposition / stabilize | Value-add, lease-up, then refinance to permanent |
| Auction & proof of funds | Close fast on courthouse and REO buys |
| Rehab-to-rent (BRRRR) | Bridge now, refinance to a 30-40 yr DSCR loan |
Requirements
Miami Beach bridge loan requirements
| Down / equity | As little as 5% of cost at up to 95% LTC |
| Loan amount | No maximum loan amount |
| Portfolio | No cap on the number of properties |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; experienced investors get higher leverage |
| Valuation | As-is appraisal; ARV and scope of work if a rehab bridge |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale or refinance to a 30-40 yr amortized / DSCR loan |
Answers
Miami Beach bridge loan FAQ
Why use a bridge loan in Miami Beach?
Miami Beach deals – driven by world-class STR and luxury demand – can move fast from South Beach to Mid-Beach. A bridge loan closes in as few as 5 days on the property and exit, then you refinance to a DSCR loan or sell. Up to 95% of cost, no maximum loan amount.
How much can I borrow on a Miami Beach bridge deal?
Up to 95% of total cost (purchase plus rehab), with no maximum loan amount and no cap on the number of properties, from 7.625% (subject to change) and 1-3 points. The on-page calculator sizes it on your Miami Beach numbers.
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(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bridge loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTV, term, and leverage are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. “No maximum loan amount” and “no cap on the number of properties” are subject to underwriting, and rates from 7.625% are subject to change without notice. Values are estimates confirmed by an appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and interest costs. Market statistics are third-party estimates for illustration only. This page is informational and does not constitute financial, legal, tax, or investment advice.