Hard Money Lenders in Fort Lauderdale, FL | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

Hard Money Lenders inFort Lauderdale, Florida

Fix and flip, DSCR rental and new construction financing for Fort Lauderdale investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Fort Lauderdale deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
72 hrs
To close at the fastest, 5-14 days typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Florida
Run the numbers

Price a Fort Lauderdale deal right now

Prefilled with a realistic Fort Lauderdale deal. Change any number and it reprices instantly on the lanes licensed in Florida, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

Financing a deal in Fort Lauderdale

Fort Lauderdale is a waterfront city with a working core. The yachting industry, Port Everglades, the airport, the hospitals and tourism employ most of it, and the flip stock is 1950s and 1960s concrete block houses on small lots west and south of downtown, away from the canal estates people picture first.

The Fort Lauderdale deal is about the building code and the water. Broward sits in Florida’s High Velocity Hurricane Zone, so new windows, doors and roofing need products with the strictest wind approval, and that line item is bigger here than almost anywhere we lend. The other question is elevation. After the April 2023 rain flooded Edgewood, Riverland and other low streets, buyers ask where the water went before they ask about the kitchen. We price both before we size the after repair value.

A real term sheet

What a Fort Lauderdale deal looks like on paper

Fort Lauderdale example: $380,000 purchase, $80,000 rehab, $660,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Say a 1950s concrete block house in Riverland with terrazzo under the tile, jalousie windows, an original flat roof section and a kitchen that has never been opened up. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$403,000
Cash to close$75,853
Proof of funds to show$114,975
Where the $75,853 goes
  • Down payment (15% of the purchase)You$57,000
  • Origination (0.5%)Lender$2,015
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$4,030
  • Title and closing (estimate at Texas rates)Title$4,327
  • Prepaid interest (15 days)Lender$1,572
  • Property insuranceInsurer$4,370
  • AppraisalAppraiser$550

Interest while you rehab: $2,554 a month on the $323,000 funded at closing, $3,187 once every draw is out. Proof of funds is cash to close plus $20,000 of rehab reserve and $19,122 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Programs

What we can fund in Fort Lauderdale

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110%660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5%660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 3+ Flips35%600+3+ completed flips12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips45%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10%No minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

What we check first

Where Fort Lauderdale prices sit right now

Before we price a Fort Lauderdale flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Fort Lauderdale median sale price at $605K for the three months ending September 2026, up 14.1% on a year earlier, with homes taking around 104 days to sell. The median price per square foot is $407.

Median sale price (Redfin)$605K
Change from a year earlierup 14.1%
Days on market (Redfin)104
Median price per square foot$407

Sources: Redfin, Fort Lauderdale housing market

Underwriting

How a Fort Lauderdale file actually gets priced

Homes in Fort Lauderdale are taking a long time to sell, so we size the after repair value on closed renovated sales from the last few months and look hard at how long they sat. Appraisers separate the neighborhoods west of the river and I-95 from the ones near the beach and the canals. On older block houses we plan for a four-point inspection and a wind mitigation report, because insurers ask for both.

Inside a mapped flood zone, the city applies the 50% rule: if the rehab costs half or more of the building’s value, the whole house has to meet current flood elevation rules, which can kill a deal. Know the building value and the base flood elevation before you write the scope. King tides push water into low streets near the canals. Some older neighborhoods still use septic, and conversion costs fall on the owner when the city brings sewer through.

The exit

Who buys your finished Fort Lauderdale deal

The finished Fort Lauderdale house sells to a local professional, a family moving out of a condo, or a buyer relocating from the Northeast. Many need high insurance quotes to work in their payment, so impact glass and a new roof help the sale as much as the finishes do. Rents are strong in Broward, so a DSCR loan is a realistic hold if the listing sits.

After you apply

Your whole loan, in one portal

Apply once and the whole Fort Lauderdale loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Fort Lauderdale

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Fort Lauderdale.

15% down from 8.99% at 700+ credit · 10% down from 9.99% at 660+ credit

DSCR Rental

Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.

30-year · no income docs

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Fort Lauderdale

We broker deals across the whole Fort Lauderdale market. These are the submarkets investors ask us about most:

Riverland and Melrose Park (33312)Lauderdale Manors and Rock Island (33311)Edgewood (33315)Poinsettia Heights and Lake Ridge (33305 / 33334)Harbordale (33316)Sistrunk and Durrs (33311)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Florida, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Questions

Fort Lauderdale hard money FAQ

Do you lend hard money in Fort Lauderdale?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Fort Lauderdale scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Florida, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Fort Lauderdale?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 3+ Flips (5% down, from 12.00%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Fort Lauderdale hard money loan close?
As little as 72 hours. Most Fort Lauderdale fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Fort Lauderdale flip?
The worked example on this page is a $380,000 Fort Lauderdale purchase with a $80,000 rehab and a $660,000 after repair value at 730 credit, first flip: $57,000 down (15% of the purchase) and $75,853 total cash to close, with $114,975 of proof of funds to show the lender. The lowest down payment for a first flip in Fort Lauderdale is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Fort Lauderdale?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Fort Lauderdale fix and flip loan?
One Fort Lauderdale program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Fort Lauderdale flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Fort Lauderdale flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Do I need impact windows on a Fort Lauderdale flip?
If you replace windows or exterior doors, yes in practice. Broward is in the High Velocity Hurricane Zone, so new openings need products approved for that zone, usually impact glass. It is a big line item, but it lowers the buyer’s insurance and helps the sale. Price it into the scope from the start.
How does the 50% rule affect a Fort Lauderdale rehab?
In a flood zone, if your improvements cost half or more of the building’s value, the house has to be brought up to current flood rules, which can mean elevating it. On a low older house, that can end the deal. Get the building value from the property appraiser and size the scope under that line, or plan for the full cost.
Who you are working with
Micah Foster
Founder & CEO
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.
Send Micah your Fort Lauderdale deal →
Keep reading

Before you sign anything

Term Sheet
How to get an instant hard money term sheet
Read article →
Broker
Direct hard money lender vs broker: the honest breakdown
Read article →
Hard Money
Points, fees & rate: how to compare hard money lenders
Read article →
Draws
How construction draws and the rehab holdback actually work
Read article →
Hard money in Miami →Hard money in St. Petersburg →Hard money in Orlando →All Florida coverage →

Ready to fund your Fort Lauderdale deal?

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