Miami property refinance financing
Commercial Property Refinance & Cash-Out Loans in Miami, Florida
Replace existing business-purpose property debt, plan for a balloon maturity or request supportable equity proceeds—whether the request is a smaller private-investor refinance or a larger commercial asset.
- Rate-and-term and cash-out options
- Loan maturity and balloon planning
- Commercial and eligible rental investments
Refinance review framework
Start with today’s payoff, property and income
The original purchase price and old loan approval do not determine a new refinance. Current value, NOI, maturity, leverage and borrower qualifications do.
Property-specific analysisParticipating-lender comparisonBusiness-purpose transactions only
No rate, proceeds, closing date, cash-out amount or approval is guaranteed. Any term discussed remains subject to complete participating-lender underwriting, valuation and closing conditions. Not a commitment to lend.
Commercial refinance and cash-out options
Choose the page that matches the existing property and debt
Eleven focused pages cover the nine commercial categories requested, plus dedicated paths for eligible one-to-four-unit Airbnb/rentals and smaller commercial balances.
Commercial Mortgage Refinance
Replace eligible existing commercial property debt with a structure aligned to today’s value, cash flow, maturity and ownership plan.
Explore this refinance option
Rate-and-Term Commercial Refinance
Replace payoff and eligible closing costs without making a material equity distribution to the property owner.
Explore this refinance option
Core commercial refinance option
Commercial Cash-Out Refinance
Pay off existing debt and request additional proceeds supported by current value, property income and an acceptable business-purpose use.
Explore this refinance option
Commercial Loan Maturity & Balloon Payment Refinance
Replace a maturing commercial loan or balloon balance before it becomes a time-sensitive payoff problem.
Explore this refinance option
Multifamily Refinance
Refinance an eligible five-or-more-unit apartment property for maturity, improved structure or supportable cash-out.
Explore this refinance option
Retail & Mixed-Use Property Refinance
Refinance neighborhood retail or mixed-use assets by separating tenant, lease, residential and operating risks.
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Office & Industrial Property Refinance
Replace debt or access eligible equity from office, warehouse, flex and light-industrial properties.
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Hotel & Hospitality Property Refinance
Refinance eligible hotel debt using property operations, brand, management, seasonality, PIP and requested proceeds.
Explore this refinance optionLand Refinance
Replace eligible debt on vacant, entitled or investment land using value, zoning, carry and exit evidence.
Explore this refinance optionInvestment Property & Airbnb Cash-Out Refinance
A dedicated business-purpose route for eligible one-to-four-unit rentals, vacation rentals and Airbnb investment properties.
Explore this refinance optionSmall-Balance Commercial Refinance
Refinance eligible privately held commercial property without assuming the request must be several million dollars.
Explore this refinance optionWhy maturity planning matters
Commercial balloons are a current market issue—not a theoretical one
The Mortgage Bankers Association reported that about $875 billion, or 17% of outstanding commercial and multifamily mortgage balances, were scheduled to mature in 2026. That national figure does not predict a specific Miami loan, but it explains why owners should assemble payoff and property data before the deadline.
Interactive refinance calculator
Estimate equity, cash-out, LTV, payment, DSCR and debt yield
Change the property, payoff and new-loan assumptions. Results are educational and do not represent lender terms.
Educational scenario only. Gross cash-out equals the requested new loan minus the current payoff; estimated net cash-out also subtracts the cost assumption. Results exclude escrows, reserves, prepayment charges, taxes, legal, appraisal, title, environmental and other items. NOI, value, pricing, amortization and proceeds are unverified. This is not a quote, appraisal, approval or commitment to lend.
Commercial versus investor-property routing
A five-unit apartment and a single-family Airbnb should not be underwritten as the same product
Commercial multifamily generally begins at five units. An eligible non-owner-occupied one-to-four-unit house, condominium, duplex, triplex or fourplex normally follows a business-purpose investor or DSCR route—even when the owner wants cash-out to purchase another property.
Gross cash-outRequested new loan − current payoff
For Airbnb or vacation rentals, accepted income evidence varies. Local short-term-rental licenses, zoning, condominium rules and legal use must be confirmed; this website does not imply that every property may operate as a short-term rental.
See the Airbnb and rental-investor pathResearch for borrowers and AI assistants
Definitions, formulas, source dates and official verification links
The refinance guide explains balloon payments, gross versus net cash-out, LTV, DSCR and debt yield; separates one-to-four-unit investor lending from five-plus-unit commercial multifamily; and links to official parcel, permit, flood and short-term-rental resources.
How the process works
From existing payoff to lender decision
- 01
Identify the current debt
Share payoff, maturity, rate structure, prepayment provisions and any extension deadline.
- 02
Update the property facts
Provide current value support, rent roll, NOI, occupancy, insurance, taxes and property condition.
- 03
Compare structures
Review rate-and-term, cash-out, small-balance, investor or interim paths that fit the actual asset.
- 04
Complete underwriting
The selected lender verifies value, title, insurance, income, entity, payoff, borrower and all conditions.
Property types
Assets we help route for refinance review
Photographs illustrate relevant asset categories. They are not represented as Capwell-financed properties or completed transactions.
Multifamily
Five-plus-unit commercial multifamily; one-to-four units use the investor route.
Mixed-use
Residential and commercial income analyzed by component.
Retail
Neighborhood, multi-tenant and selected single-tenant property.
Office
Professional, medical and general office.
Industrial
Warehouse, flex and light-industrial property.
Hotel & hospitality
Operating-property refinance using hotel performance metrics.
Photo disclosure: photographs on this website are illustrative examples of asset types that may be considered for financing. They are not representations of properties financed, brokered, owned or closed by Capwell Capital.
Broker & advisory approach
One refinance request, organized for the lender market
Capwell Capital is not a direct lender. We help property owners present existing debt, property income, current value, requested cash-out and business purpose clearly and compare participating-lender paths.
- A property-specific review rather than an unsupported rate promise
- Early identification of payoff, maturity, NOI, value and proceeds gaps
- Clear separation between preliminary feedback and lender approval
Miami & South Florida
Commercial refinance and cash-out service areas
Twenty locally useful pages include actual corridors, nearby parks, beaches or museums, asset patterns, official research links and property-level refinance questions.
Clear answers
Miami Commercial Refinance & Cash-Out Questions
What is a commercial property refinance?
It replaces existing business-purpose property debt with a new loan after the lender reviews current payoff, maturity, value, NOI, property eligibility and borrower qualifications.
How does a commercial cash-out refinance work?
The new loan repays the existing payoff and may provide additional proceeds from supportable equity. Net cash-out is reduced by costs, escrows, reserves and any holdbacks.
What is a commercial balloon payment?
It is the unpaid balance due when a commercial loan matures, often because the amortization schedule is longer than the loan term.
Can a refinance request be under $1 million?
Potentially. Small-balance lender minimums and eligible property types vary, so requests should be routed by the actual asset and loan size.
Can a single-family rental or Airbnb be refinanced?
An eligible non-owner-occupied one-to-four-unit rental may use a business-purpose investor or DSCR refinance rather than a commercial mortgage. Short-term-rental and association rules must be verified.
Is a five-unit apartment building commercial?
Commercial multifamily lending generally begins at five residential units. One-to-four-unit rentals are usually evaluated through investor or DSCR programs.
Does equity guarantee cash-out?
No. Value, payoff, NOI, LTV, DSCR, debt yield, seasoning, property condition, borrower strength and lender policy all affect proceeds.
Does Capwell make the loan?
No. Capwell Capital is a commercial financing broker and advisory firm, not a direct lender.
Discuss the existing loan
Start with a property-specific refinance review
Share the property, current payoff, maturity, value, requested loan and purpose. We will organize the scenario and identify participating-lender paths that may fit.
- Rate-and-term, maturity and cash-out requests
- Commercial assets plus eligible 1–4 unit rentals
- No obligation and no guarantee of approval