About DSCR Loans for Florida Real Estate Investors
About Us
Unlike traditional lenders, Commercial Loans Florida looks at the complete picture of your business - not just the balance sheet. Commercial Loans Florida invests in people, not numbers.
We offer all types of commercial loans in Florida for all types of small, medium and large companies worldwide. We are able to provide solutions that will precisely fit each client's situation. Our funding processes is the most efficient in the industry.
With over 50 years combined knowledge and experience in commercial financing, the partners at Commercial Loans Florida provide our clients with access to capital markets, delivering custom-made financing structures for multi-family and commercial real estate financing needs in the State of Florida.
Most banks, commercial lenders and mortgage brokers work with a narrow range of standardized products and automated processes, with very little attention given to the individual borrower or underlying "spirit" of the project. CLF takes a different approach. Our professionals are able to offer a financial solution that will precisely fit each individual client's situation. We understand that each client is special and unique, and each project has a different character that goes beyond the bottom-line numbers.
By listening to and understanding each client's needs carefully, we believe that we will be able to gain a true picture of your project and share your enthusiasm.
In addition to our knowledge of the industry and years of expertise, we place a high value on being flexible, personal, and resourceful. Our funding and closing processes are the most efficient and streamlined in the industry. That’s why Commercial Loans Florida can offer the most competitive rates to meet your financing needs – no matter how challenging it might be for other financial institutions.
Our Mission
At Commercial Loans Florida, Inc. our mission is to eliminate the friction between Florida real estate investors and the capital they need to grow. We believe that an investor’s potential should be measured by the strength of their deals, not the complexity of their tax returns.
Our Approach
Asset-Focused Underwriting
We qualify your loan based on the property’s rental income (DSCR), not your personal debt-to-income ratio or tax returns.
The 'Florida Realism' Standard
We ensure your deal is bankable by using a conservative carrying-cost model—calculating Property Taxes at 1% and Insurance at 1% of the purchase price for every quote.
Specialized Property Tiers
From single-family rentals and 2-4 unit 'house hacks' to 5+ unit commercial apartment complexes, we apply specific metrics to maximize your leverage.
LLC-Friendly Closing
We encourage investors to close in an LLC or Corporate entity to maximize asset protection and portfolio scalability.
Speed of Execution
In the competitive Florida market, timing is everything. Our streamlined process aims for 'Clear to Close' in as little as 14–21 days.
Frequently Asked Questions
What is the main focus of Commercial Loans Florida when providing loans?
Commercial Loans Florida focuses on the complete picture of a business, investing in people rather than just numbers, and providing tailored financial solutions for each client's unique situation.
How does Commercial Loans Florida differ from traditional lenders?
Unlike traditional lenders who often work with standardized products and automated processes, Commercial Loans Florida offers personalized financial solutions that consider the individual borrower's needs and the character of each project.
What is the funding process like at Commercial Loans Florida?
The funding and closing processes at Commercial Loans Florida are described as the most efficient and streamlined in the industry, with the ability to offer competitive rates even in challenging situations.
What is the mission of Commercial Loans Florida?
The mission of Commercial Loans Florida is to eliminate the friction between Florida real estate investors and the capital they need to grow, emphasizing that an investor’s potential should be based on the strength of their deals.
What type of underwriting does Commercial Loans Florida use?
Commercial Loans Florida uses asset-focused underwriting, qualifying loans based on the property’s rental income (DSCR) rather than the borrower's personal debt-to-income ratio or tax returns.
How quickly can I expect to close on a loan with Commercial Loans Florida?
In the competitive Florida market, Commercial Loans Florida aims for 'Clear to Close' in as little as 14–21 days.