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Short term rental DSCR loans in Miami

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

5 firms with a Miami office list short term rental DSCR loans on their own sites: 2 mortgage lenders, 3 mortgage brokers. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.

• Mortgage lender

  A&D Mortgage LLC

  Miami +1 more NMLS 1857076

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • +22 more
  5,245 FL loans in 2025See this lender
• GMMortgage lender

  Guild Mortgage Company LLC

  Miami +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• Mortgage broker

  Approol Mortgage LLC

  Miami NMLS 2533816

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • +26 more
  See this broker
• Mortgage broker

  Bennett Capital Partners, LLC

  Miami NMLS 2046862

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Assumable mortgages
  • +40 more
  See this broker
• OMMortgage broker

  Optimal Mortgage LLC

  Miami NMLS 2503896

  • 1099 income loans
  • Asset depletion loans
  • Bank statement loans
  • Bridge loans
  • +30 more
  See this broker

Other loans in Miami

• Refinance113 firms
• FHA loans87 firms
• First time home buyer loans and programs79 firms
• Jumbo loans77 firms
• Cash out refinance67 firms
• VA loans67 firms
• Investment property and rental loans64 firms
• Second home mortgages62 firms
• Adjustable rate mortgages (ARM)62 firms
• Conventional mortgages60 firms
• Commercial real estate loans53 firms
• HELOCs52 firms

• All home loans in Miami487 firms, every loan type
• Short term rental DSCR loans across Florida65 firms statewide

Miami-Dade County at a glance

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

How many lenders offer short term rental DSCR loans in Miami?

5 firms licensed or chartered to lend in Florida with a Miami office list short term rental DSCR loans on their own websites as of October 15, 2026: 2 mortgage lenders, 3 mortgage brokers. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.

Should I use a broker or a lender for short term rental DSCR loans?

Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.