Fix-and-Flip Projects in Miami, FL
Homeowners and investors purchasing distressed properties to renovate and sell for profit. Fix-and-flip projects require quick funding, renovation budget support, and streamlined closing processes.
Rehab Cost
$75K
Fix-and-flip investors in Miami compete in one of the most active rehab markets in the country. Distressed inventory, foreclosure opportunities, and aging housing stock create constant deal flow, but only for investors who can close fast and fund renovations without delay. Hard Money Lenders of Miami provides fix-and-flip financing that covers both purchase and rehab, with draws released as work progresses.
We fund up to 100% of purchase and 100% of rehab for qualified investors. Our typical term is 6-12 months, with flexible extensions when projects run longer than expected. We evaluate the after-repair value (ARV), your renovation budget, and your exit strategy, not your tax returns or employment history.
First-time flippers with solid plans and qualified contractors can qualify. We've funded investors flipping in Coconut Grove, Doral, Hialeah, and across South Florida. Speed matters: we typically close in 7-10 days so you can secure deals before they're gone.
What to Expect
We fund purchase and rehab in a single loan. No need for separate acquisition and construction financing, one application, one closing, draws as work progresses.
ARV (after-repair value) drives the loan amount. We typically lend based on 70-75% of ARV, minus repairs. Your purchase price, rehab budget, and projected sale price determine the structure.
Draws are released after inspections. Typical milestones: demo/rough-in, mechanicals, finishes, final. We move quickly on inspections so you're not waiting for funds.
First-time flippers qualify when the deal and the plan are solid. Experience helps with terms but isn't a requirement. A qualified GC and realistic budget are key.
Typical Use Cases
Fix-and-Flip Projects in Miami-Dade often use hard money for these purposes. Our flexible terms accommodate a range of strategies and timelines.
- , Distressed properties
- , HUD/FHA properties
- , Foreclosures
- , Auction purchases
- , Quick turnaround projects
Ideal Loan Types
Success Factors
Borrowers who succeed with hard money financing typically bring these strengths to the table. We evaluate each deal holistically, experience helps, but a solid plan and qualified team matter most.
- , Value-add strategy
- , Renovation expertise
- , Market timing
- , Cash reserves
Why Choose Hard Money Lenders of Miami
- , 24-48 hour approval process, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , No prepayment penalties, exit when it makes sense
- , Local Miami expertise, we know the market
- , Flexible terms, tailored to your investment needs
How It Works
Frequently Asked Questions
How much of purchase and rehab can you fund?
We can fund up to 100% of purchase and 100% of rehab for qualified investors.
What's the typical term for a flip?
Most fix-and-flip loans run 6-12 months. We offer flexible terms to match your timeline.
Do I need experience to flip in Miami?
Experience helps but isn't required. We evaluate each deal. First-time flippers with solid plans can qualify.
How quickly can I close?
We typically close in 7-10 days. Speed matters for Miami deals, we're built for it.
How does the draw process work?
Funds release after inspections at milestones: demo/rough-in, mechanicals, finishes, final. We move quickly on inspections.
What drives the loan amount?
ARV (after-repair value) drives the structure. We typically lend 70-75% of ARV minus repairs. Your purchase price, rehab budget, and projected sale price determine the loan.
Get Started
Ready to explore hard money financing for fix-and-flip projects? Contact us today for a quick quote.
Apply NowCall 305-928-2678Explore Other Borrower Types
Real Estate Investors
Experienced investors who purchase, renovate, and sell properties for profit. Whether flipping single-family homes or building rental portfolios, real estate investors rely on hard money for quick, flexible financing.
Residential Developers
Professionals specializing in residential development projects, from ground-up construction to major renovations. Residential developers need fast, reliable financing to manage project timelines and budgets.
Commercial Developers
Developers focused on commercial real estate projects including retail, office, industrial, and mixed-use developments. Commercial developers require substantial, flexible financing for complex projects.
Property Rehab Projects
Projects focused on significant renovations and improvements to increase property value. Property rehab projects benefit from construction loans and draw-based funding structures.