Miami, Florida
Hard money lenders in Miami, FL
Fix and flip, DSCR rental, new construction and bridge loans for real estate investors in Miami, FL, from a direct private lender. Term sheet in about 2 hours on average; most loans close in 5–10 business days.
Loan programs
What we lend on in Miami, FL
Business-purpose loans for real estate investors only. Close in your LLC or other entity.
| Program | Rates | Leverage | Term |
|---|---|---|---|
| Fix & flip | From 8.75% | Up to 90% of cost | 12–24 months |
| DSCR rental | From 6.75% | Up to 80% LTV | 30-year fixed |
| New construction | From 8.75% | 85–90% of cost | 12–24 months |
| Multifamily | From 8.0% | Up to 75% LTV | 1–10 years |
Terms are subject to underwriting, appraisal, title, and insurance.
Market snapshot
The Miami, FL investor market at a glance
Public market data, each figure linked to its source. It describes the market, not our loan terms.
| Measure | Figure | Source |
|---|---|---|
| Median sale price, Miami, FL metro (Zillow, all homes, raw) | $485,000 (Aug 2025: $461,000) | files.zillowstatic.com, 2026-08-31 |
| Typical home value, Miami city (Zillow ZHVI, mid-tier) | $583,705 (+1.4% year over year) | files.zillowstatic.com, 2026-09-30 |
| Typical rent, Miami city (Zillow ZORI, all rentals) | $2,965/mo (+1.3% year over year) | files.zillowstatic.com, 2026-09-30 |
| Median days to pending, Miami, FL metro (Zillow) | 52 days (Sep 2025: 65) | files.zillowstatic.com, 2026-09-30 |
| Effective property tax rate, Miami-Dade County (Tax Foundation, ACS 5-yr) | 0.81% (median home value $463,000, median tax bill $3,744) | taxfoundation.org, 2024 (ACS 2020-2024 5-yr; published 2026) |
| ATTOM Q1 2026: Miami among lowest flipping rates of metros over 1M | 5.5% of home sales were flips | attomdata.com, 2026-Q1 |
Data gathered 2026-11-04.
How it works
From application to funded
Send the deal
Property, price, rehab or build budget, and your track record. The application takes about five minutes.Get real terms
A written term sheet in about 2 hours on average.Close
Most loans close in 5–10 business days. Draws are typically funded within 1 business day.
Florida
More of Florida
Questions
Investor loans in Miami, FL: common questions
Do you make hard money loans in Miami?
Yes. We make business-purpose loans to real estate investors in Miami and across 45 states: fix and flip, DSCR rental, new construction and bridge loans from $75K to $5M.
How fast can you close a loan in Miami?
Most loans close in 5–10 business days, depending on the appraisal, title and insurance. You get a written term sheet in about 2 hours on average.
Can I borrow in my LLC?
Yes. Most of our borrowers close in an LLC or other business entity, and we encourage it.
Do you lend to homebuyers or on a home I will live in?
No. We lend only to real estate investors on investment property, never on a primary residence.
Is Florida a judicial or non-judicial foreclosure state?
The usual process in Florida: judicial. It affects how long distressed and auction properties take to reach the market, so check timelines with a local title company or attorney.
Have a deal in Miami? Get a term sheet in about 2 hours on average.
Apply now