Broker, not a lenderHard Money Lenders inMiami, Florida
Fix and flip, DSCR rental and new construction financing for Miami 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Miami deal right now
Prefilled with a realistic Miami deal. Change any number and it reprices instantly on the lanes licensed in Florida, using the same engine behind our term sheets.
Financing a deal in Miami
Miami is the priciest and slowest market on our Florida list, and flips here are a single-family and small multifamily game. Condos are a different story right now: since the Surfside collapse, older buildings have been hit with milestone inspections, reserve studies and big special assessments, and a lot of condo buyers have stepped back. The houses that work are CBS (concrete block and stucco) homes from the 1940s to 1960s in Allapattah, Little Haiti, Little Havana and Shenandoah.
The Miami deal usually turns on what’s legal. Garage conversions, back-room efficiencies and enclosed porches are everywhere in these neighborhoods, and most were never permitted. An appraiser can’t count unpermitted space, a buyer’s lender won’t either, and the city can make you remove it. So before we look at the ARV, we pull the permit history and compare the recorded square footage to what’s actually there. Sometimes legalizing the extra unit is the whole profit. Sometimes it can’t be done, and the deal has to work without it.
What a Miami deal looks like on paper
Miami example: $320,000 purchase, $80,000 rehab, $590,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1950s CBS house in Allapattah with a converted garage that has to be legalized or undone, plus a roof and impact openings. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$48,000
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$3,520
- Title and closingTitle$4,075
- Prepaid interest (15 days)Lender$1,373
- Property insuranceInsurer$3,800
- AppraisalAppraiser$550
Interest while you rehab: $2,151 a month on the $272,000 funded at closing, $2,784 once every draw is out. Proof of funds is cash to close plus $20,000 of rehab reserve and $16,702 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Miami
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
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 September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Miami comps say
Redfin puts the Miami median sale price at $650K for the three months ending August 2026, up 2.3% on a year earlier, but homes are taking around 116 days to sell. Zillow’s home value index for the city is $580,866, up 0.8% over the year. In 33142, which covers Allapattah, Redfin’s median is $480K, down 3.9%.
| Median sale price, Miami (Redfin, 3 months to Aug 2026) | $650K |
| Days on market, Miami (Redfin) | 116 |
| Zillow home value index, Miami (Aug 2026) | $580,866 |
| Median sale price, 33142 Allapattah (Redfin) | $480K |
Sources: Redfin, Miami housing market · Zillow, Miami home values · Redfin, 33142 housing market
How a Miami file actually gets priced
Miami after repair values get set on permitted square footage and the recorded bedroom count, and appraisers here are strict about both. We use closed sales of similar CBS homes in the same neighborhood and leave out anything that sold with an income unit the county doesn’t recognize. Days on market run long, so we also look at how much the best comps dropped from list to sale. The carry assumption on a Miami flip needs more months than anywhere else we lend in the state.
Miami-Dade is in the High Velocity Hurricane Zone, so replacement windows, doors and roofing have to carry product approval for the zone, and openings need impact glass or approved shutters. Budget that as a full line, not a finishing touch. Flooding comes from king tides and heavy rain as well as storms, especially near the Little River and the low streets east of Biscayne, and the 50% rule applies in mapped flood zones. Insurance is the other cost: wind premiums on an older house can be steep, and a buyer’s premium quote can make or break the sale.
Who buys your finished Miami deal
The Miami buyer pool is wide but price sensitive right now. Cash buyers and investors are active, and so are owner-occupants using FHA or conventional loans who have to qualify with high insurance and tax escrows. A legal second unit or efficiency helps both groups, because the rent offsets the payment. With long selling times, plan a DSCR refinance as your backup. In Allapattah and Little Haiti the rent on a legal duplex or a house with a permitted efficiency often supports it.
Your whole loan, in one portal
Apply once and the whole Miami 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.
What we fund in Miami
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Miami.
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.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Miami
We broker deals across the whole Miami market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
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.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Miami hard money FAQ
Do you lend hard money in Miami?
Which fix and flip programs apply in Miami?
How fast can a Miami hard money loan close?
How much do I need to bring to close on a Miami flip?
Do you fund the rehab budget in Miami?
What credit score do I need for a Miami fix and flip loan?
Can I refinance a Miami flip into a rental loan?
Can I count an unpermitted efficiency or garage conversion in my Miami ARV?
Do I need impact windows on a Miami flip?
Before you sign anything
Ready to fund your Miami deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.