The Gables is a premium renovation market — Mediterranean estates, strict permitting, and buyers who pay for finished quality. Rehab budgets are bigger here, and so are the spreads for investors who execute.
FFC Lending arranges fast, flexible financing for Coral Gables real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Coral Gables was planned in the 1920s as "The City Beautiful," and it still protects that look. Investors here renovate Mediterranean Revival and mid-century homes in neighborhoods like Granada, the Biltmore area and South Gables, build new homes where older ones come down, and buy rentals near the University of Miami and the Miracle Mile business district.
The city's Board of Architects generally reviews new construction and exterior changes, and some properties are historically designated. That review protects values, but it adds time before permits are issued, and time matters on a short-term renovation or construction loan. We size the loan term around your approval and build schedule, and higher Gables price points fit within our programs' $5 million range.
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.
In Coral Gables, exterior changes and new construction generally need Board of Architects approval before permits, which adds time. Build that into your budget and timeline, and we'll size the loan term to match.
Yes, for investment properties. If you plan to rent to students, tell us how the leases will be structured; some programs treat room-by-room leases differently from a single lease for the whole property.