Aventura is a condo-driven market where investors reposition units and small portfolios. Financing that can navigate condo association and insurance questions gets deals done here.
FFC Lending arranges fast, flexible financing for Aventura real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Aventura, incorporated in 1995, is a high-rise city: condo towers along the Intracoastal, Country Club Drive and Biscayne Boulevard, anchored by Aventura Mall. Investors here mainly buy condo units, either to renovate dated interiors and resell or to hold as long-term rentals.
That makes the building the most important part of almost every Aventura loan. Many towers date from the 1970s and 1980s and are working through Florida's post-Surfside inspection and reserve requirements, which can mean special assessments. Associations also commonly set rules on leasing, tenant approval and renovation work, from approved contractors to work hours. We review the building's documents before you commit.
Acquisition + rehab capital — up to 85% LTC, 100% of the build, 70% ARV.
See program details →Finance new builds from the dirt up — 12 or 18 months, interest only.
See program details →Qualify on the property's cash flow — 30-year fixed, no tax returns.
See program details →Working capital based on your revenue, not your credit score.
See program details →Our hard money, bridge, construction, DSCR and working-capital programs are business-purpose only — for investment properties and business needs, not a home you live in. If you're buying a home to live in, FFC also arranges FHA and conventional home loans for eligible owner-occupied buyers, reviewed by a licensed loan originator.
Property programs typically start at a 650–680 minimum FICO depending on the program. Revenue-based working capital qualifies on your business's sales history instead of your score.
Property loans are built to close in days-to-weeks, not months — timelines depend on title, insurance, and appraisal. Working capital can fund in as little as 1–2 business days.
Fernandez Financial Capital is a broker (NMLS #2896990) that arranges financing through vetted lender partners — which is why we can match your deal to the program that actually fits it.
It depends on the building more than on you. Lenders review the association's reserves, insurance, special assessments, how many units are rented and any litigation. Send us the building name first and we'll tell you which programs can work.
Yes, with a fix & flip loan, as long as the building qualifies and the association approves the work. Many towers set strict rules on contractors and work hours, so plan the timeline around them.