Miami real estate developers: ground-up construction financing for spec homes and investor projects. Up to 85% of total costs. Draw schedules aligned to milestones.
Check My Miami Rate →Miami is an international market with constant inflow from Latin America, Europe, and domestic high-net-worth buyers. Tax-free Florida, warm weather, and post-pandemic remote work brought permanent migration. STR (short-term rental) is particularly strong — properties in Brickell, Wynwood, and Miami Beach generate significantly higher yields than traditional long-term rentals.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
We also fund investments throughout the greater Miami metro including Coral Gables, Doral, Pinecrest, Homestead, and Aventura.
Miami permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Miami construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Miami draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.
Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Miami's strong market makes take-outs reliable.
Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.
First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.
10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.
Construction loans in Miami run 12-24 months. Most spec builds complete in 9-14 months.
Most lenders require permits in-hand or at final approval before funding vertical construction.
Yes. Build-to-rent is strong in Miami. Close with construction loan, build, take out with 30-year DSCR at CO.
Most programs require 680+ FICO. Strongest pricing at 720+.
Construction loans in Miami range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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