Close in 10 Days. 90% LTC.
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. 620+ credit. Close in 5-10 days.
Check My Miami Rate →The stock is concrete-block single-family across Miami-Dade and Broward, a large condo inventory, and a basis among the highest in the Southeast. Block-home flips in Allapattah, Little Haiti, West Flagler and Cutler Bay. Roof age, impact openings and insurability at resale drive both scope and exit.
Florida is judicial and slow to foreclose. South Florida windstorm and flood insurance is the most expensive in the country and is the decisive DSCR line — it can exceed the tax line. Post-Surfside condo reserve and inspection requirements have made condo underwriting materially harder and narrowed the lender field. A large share of buyers are international and cash, which shapes comparables. Foreign national programs are a common fit.
Insurability at resale is the exit risk in Miami. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Where renovation exceeds purchase, the loan sizes on total project cost and ARV. Many national lenders cap rehab near half of purchase and decline on that alone — it is the single most common Miami deal we finance.
Also see: Jacksonville, FL →Orlando, FL →DSCR Loans in Miami →Fort Myers, FL →Lakeland, FL →Palm Bay, FL →Pensacola, FL →Sarasota, FL →
Fix & Flip loans in Miami qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Miami metro including Coral Gables, Doral, Pinecrest, Homestead, and Aventura.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
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%+.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Miami fix and flip closings happen in 5-10 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.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
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.
Yes. Sized on total cost and ARV. Lenders capping rehab at half of purchase are why it gets declined elsewhere.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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