Real Estate Investor & Commercial Real Estate Loans in Miami, FL

Fix-and-Flip Loans

Miami's fix-and-flip market operates across a wide range of neighborhoods and price points — from workforce housing renovations in Hialeah, Miami Gardens, and Homestead, to mid-market value-add projects in Little Havana, Overtown, and Liberty City, to higher-end renovations in Coconut Grove, South Miami, and Coral Gables. Aberdeen structures fix-and-flip loans based on the after-repair value (ARV) of the completed property, covering acquisition and a portion of renovation costs. We evaluate each deal on the spread between acquisition cost and ARV, the renovation scope, and the investor's exit timeline. Closings structured around your acquisition timeline — not a bank's schedule.

Bridge Loans

Miami's real estate market creates frequent bridge loan scenarios — acquiring a property before permanent financing is arranged, stabilizing an asset before refinancing, covering the window between construction completion and DSCR qualification, or bridging a maturing hard money position while longer-term financing is arranged. Aberdeen structures bridge loans sized for the exit timeline and priced transparently so you can model the carry cost before committing. We work with residential investors, commercial property owners, and developers across Miami-Dade and Broward counties.

Ground-Up Construction Loans

Miami's sustained population growth and the persistent undersupply of workforce and mid-market housing create demand for new residential and mixed-use construction across the county. Aberdeen provides construction loans for single-family infill projects, small multifamily development, and commercial ground-up construction throughout Miami-Dade. Draw structures are tied to verified construction milestones — capital releases as work is completed and documented, keeping projects funded without releasing capital ahead of progress.

DSCR Rental Property Loans

Miami is one of the nation's most competitive rental markets, with rental demand that is year-round, internationally driven, and supported by one of the largest concentrations of finance professionals, hospitality workers, healthcare employees, and international executives of any American metro. DSCR loans — which qualify based on the property's rental income rather than the borrower's personal income or tax returns — are ideally suited to Miami's large population of self-employed investors, international buyers, business owners with complex income structures, and portfolio operators who have outgrown conventional loan programs.

Aberdeen structures DSCR loans for long-term rentals throughout Miami-Dade, short-term rental properties in Miami Beach, Brickell, Wynwood, and South Beach with documented income history, condo investment properties, and portfolio blanket facilities for investors holding multiple Miami assets. The city's strong rental fundamentals — premium rents, year-round occupancy, and a tenant base that includes international executives and domestic relocators — make Miami's DSCR loan market one of the most active in Florida.

Commercial Real Estate Loans

Miami's commercial real estate market spans luxury retail on Brickell Avenue and in the Design District, office space in Coral Gables and Wynwood, industrial and logistics facilities in Doral and Hialeah, multifamily development across the county, hospitality properties serving the tourism economy, and mixed-use projects in Miami's rapidly evolving urban neighborhoods. Aberdeen works with commercial buyers, investors, and developers on acquisition financing, bridge-to-permanent transitions, value-add repositioning, and construction financing throughout Miami-Dade and South Florida. We match commercial real estate deals to lenders in our network who actively finance that specific asset class — producing better outcomes than applying to lenders for whom Miami commercial real estate is not a primary focus.