Hard Money Lender in
Direct hard money loans for Miami real estate investors: bridge loans that close like cash, fix and flip loans that fund the renovation, ground-up construction, and 30-year DSCR rental loans. Instant term sheet, close in 2 weeks.
Miami-Dade, Broward and Palm Beach form one of the most cash-driven real estate markets in the country, where a large share of listings ask for cash outright and the investor who can close like cash sets the terms.
South Florida: cash is the language of the market.
South Florida cash listings run from the 1950s concrete-block houses in Hialeah, Miami Gardens, North Miami and Homestead to condos with association issues and older Broward houses in Hollywood, Pompano and Lauderdale. The fix and flip loan funds the purchase and the renovation together at 10% down with experience, and the bridge loan closes the purchase that will not wait. Every loan gets an instant term sheet and closes in 2 weeks.
Florida rents have climbed with the population, and the DSCR loan generally carries a single-family or small multifamily rental in Miami-Dade and Broward; insurance is the line to price first in this state, and condo association dues need to be in the ratio. The takeout comes from the same team that closed the bridge.
Cash and hard money listings in Miami right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse Miami, Hialeah, Miami Beach, Homestead, Miami Gardens, North Miami, or every Florida opportunity. Sign in to see the street addresses and the pricing on each one.
No Miami listings are in the book at this moment. New ones land every day; see the Florida deals.
We are the lender, not the listing agent. Every listing belongs to its agent, credited on the listing page. Browsing is not a commitment to borrow from us.
Every stage of a Miami deal.
Buy like cash or refinance maturing debt on Miami investment property. 12 months, interest only. Bridge loans.
Purchase plus renovation in one loan, 10% down with experience, drawn as the work completes. Fix and flip loans.
Land and the build for builders with completed projects. Construction loans.
Term loans on the buildings a rental program will not take. Commercial lending in Florida.
Starting rates, points, down payment and score requirements, program by program. See the rates.
From a Miami address to the wire.
- Price it. Type the Miami deal into Price a Deal: address, price, renovation budget, your score and experience. The program, the rate and the maximum loan come back in a minute.
- Request the term sheet. It issues instantly, from our own sizing.
- Send the file. Contract, entity documents, insurance, budget or rent roll. The appraisal is ordered the same day.
- Close in 2 weeks. Title and escrow set the pace; the decision is already made.
Hard money in Miami, answered straight.
How fast can a hard money loan close in Miami?
Every Miami deal gets an instant term sheet and closes in 2 weeks. Decisions are made in-house, so title, escrow and the appraisal set the pace, not a committee.
What does a hard money loan cost in Miami?
Fix and flip and bridge loans start at 9.75% interest only with 1.5 points. The rates and requirements page lists every program; Price a Deal quotes your own Miami deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in Miami?
Yes. Our fix and flip loan funds the purchase and the renovation together: 10% down with at least one completed project in three years, 20% on a first flip, the renovation paid in draws as the work completes.
Do you offer DSCR rental loans in Miami?
Yes. DSCR loans in Florida are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. South Florida rents are strong; insurance and association dues are the lines that decide the ratio.
Which Miami areas do you lend in?
Miami, Hialeah, Miami Gardens, North Miami and Homestead; Miami Beach and Coral Gables; Hollywood, Fort Lauderdale, Pompano Beach, Pembroke Pines and Miramar; Boca Raton, Delray Beach, Lake Worth and West Palm Beach. We lend on investment and commercial property anywhere in Florida; see the Florida page.
Working a Miami Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.