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Miami Commercial Property for Sale with Seller Financing

Commercial properties whose listing says the seller will finance part of the price, which the MLS records as owner financing, "owner will carry" or private financing. The buyer makes a down payment and pays the seller on a note secured by the property, usually over a shorter term than a bank loan and often with a balloon payment at the end. The terms are set between buyer and seller, so two listings with the same label can be very different deals.

40 commercial properties for sale with seller financing in Miami are listed in the MLS as of October 17, 2026.

BreakThru Realty · Founder and Broker of Record: Tyson E. Sam, Florida License 3565210

Miami Commercial Property for Sale with Seller Financing: the Market Today

As of October 17, 2026. Source: BeachesMLS commercial sale and lease listings (IDX), every active listing that matches this page. Asking prices and asking rents, not closed sales or signed leases.

  • Active listings: 40
  • Median asking price: $2,425,000
  • Median price per sq ft: $660
  • Listed in the last 30 days: 8
  • Price reduced: 10

By Property Type

Property typeFor saleFor leaseMedian price per sq ftMedian asking rent per sq ft a year
Office70——
Retail90$942—
Industrial70$384—
Mixed-Use90$1,010—
Multifamily60$648—
Other commercial20——

Most Listings by ZIP Code

  • 33142: 6
  • 33147: 4
  • 33127: 3
  • 33145: 3
  • 33135: 3
  • 33137: 2
  • 33125: 2
  • 33131: 2

By Size

  • Under 2,500 sq ft: 12
  • 2,500 to 9,999 sq ft: 19
  • 10,000 to 49,999 sq ft: 6
  • 50,000 sq ft and up: 3

Price per square foot divides the asking price by the building area the listing reports; a suite that reports the whole building's area is left out. Rent medians use only listings quoted per square foot per year, and the MLS does not say whether a rent is triple net or gross. A median of fewer than five listings is shown as —.

Newest Listings for Sale

See all 40 with photos, map and filters

What to Check Before You Commit

  • The down payment the seller expects and the interest rate on the note
  • The term, the amortization and any balloon payment, and how you will pay it when it comes due
  • Whether the property carries an existing mortgage, and whether that loan allows a sale with seller financing
  • What secures the note: a mortgage recorded in the county, and any personal guarantee
  • Prepayment terms, late fees and what happens on default; have a real estate attorney prepare or review the note and mortgage

Talk to a Commercial Specialist

A licensed BreakThru Realty agent can send you the listings that fit, ask the listing brokers for the financials and lease terms, and negotiate for you. Call or text (786) 914-1017, email sales@breakthrurealty.com or send a request from this page. Leave your email on this page and we send new commercial properties for sale with seller financing in Miami as they come on the market.

Miami Commercial Property for Sale with Seller Financing: Questions

How many commercial properties for sale with seller financing are on the market in Miami?
40 active MLS listings as of October 17, 2026. 8 came on the market in the last 30 days and 10 have had a price reduction.
What is the asking price for commercial properties for sale with seller financing in Miami?
The median asking price is $2,425,000, and the median asking price per square foot of building is $660 across the 36 listings that report a building size. These are asking prices, not closed sales.
How does seller financing work on a commercial property?
The seller acts as the lender for part of the price. You pay a down payment at closing and sign a promissory note for the balance, secured by a mortgage on the property that is recorded like any other. The rate, the term and any balloon payment are negotiated with the seller. A real estate attorney should prepare or review the note and the mortgage, and a title company closes the sale as usual.
Can seller financing be combined with a bank loan?
Sometimes. A seller may carry a second note behind a bank or SBA 504 loan, but the first lender decides whether it allows one and on what terms. Consult a commercial mortgage lender early, with the seller's proposed terms in hand.
Does "seller financing" on a listing fix the terms?
No. The listing only says the seller is open to it. The amount financed, the rate and the term are not in the MLS; they are negotiated in the offer. Ask the listing broker what the seller has in mind before you write one.
How long have commercial properties for sale with seller financing in Miami been on the market?
The median active listing has been on the market 126 days for a sale. A listing that has sat for months often leaves room to negotiate.

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