Boca is a finished-quality market: high-end renovations, waterfront repositions, and DSCR holds against some of the county's strongest rents.
FFC Lending arranges fast, flexible financing for Boca Raton real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Boca Raton is a higher-price market, so loan amounts tend to be larger and projects more ambitious. East of I-95, around Downtown Boca and Mizner Park, investors renovate older homes or tear them down to build new. Farther west, much of the housing sits in gated, country-club and age-restricted communities with their own approval rules.
Those community rules are the first thing to check on a Boca rental. Country-club and 55-and-over communities often limit leasing, set minimum lease terms or require tenant approval, which can affect whether a property qualifies for a rental loan at all. For larger renovations and new construction, lenders also look closely at your experience, cash reserves and exit plan, so a track record helps.
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.
Our programs go up to $5 million, which covers many Boca Raton renovations, teardown builds and rentals. Larger loans get a closer look at experience, cash reserves and the exit plan, so bring a track record if you have one.
Sometimes. Age-restricted and country-club communities often limit leasing or require tenant approval, which can affect a rental loan. Check the association's rules before you make an offer, and we'll tell you how they affect your options.