Miami real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 7-10 days.
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 fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Miami metro including Coral Gables, Doral, Pinecrest, Homestead, and Aventura.
Accurate ARV is critical. Miami submarkets like Wynwood have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Miami rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Miami — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Miami averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Miami fix and flip closings happen in 7-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Miami range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Miami fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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