Southeast · Florida · Mixed-Use · First lien
Mixed-use hard money loans in Miami, FL.
First-position mixed-use loans in Miami, Florida (FL) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Miami market context
The Miami economy behind the collateral.
Miami serves as a global gateway for trade and finance between the United States and Latin America, supported by its port, airport, and growing financial services sector.
Stokley Capital reviews financing for mixed-use and multifamily repositioning and logistics assets tied to Miami's trade and tourism economy.
Economic anchors
- PortMiami
- Miami International Airport
- University of Miami
- Brickell financial district
Mixed-Use underwriting
What we look at first.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Mixed-use loans we see in Miami.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use property in Florida? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Miami, FL mixed-use loan request.
Questions
Miami, FL mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in Miami, FL?
- Yes. We make first-position mixed-use hard money and bridge loans in Miami, Florida (FL), typically $1M–$5M, with larger loans considered.
- What drives the Miami market?
- Miami serves as a global gateway for trade and finance between the United States and Latin America, supported by its port, airport, and growing financial services sector.
- What should a Miami mixed-use loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing mixed-use in Miami?
Send the property, amount and deadline. A principal will respond directly.