Deerfield's east-side cottages and 55+ condo conversions give value investors room to work, minutes from a beachfront that supports premium exits.
FFC Lending arranges fast, flexible financing for Deerfield Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Deerfield Beach sits on Broward County's northern edge, where the Hillsboro River separates it from Boca Raton. East of Federal Highway, The Cove has 1960s-era ranch homes and newer rebuilds on finger canals off the Intracoastal, and the beach area across the bridge is mostly condos near the fishing pier. The central and western parts of the city mix older single-family neighborhoods like Crystal Lake and Crystal Heights with golf-course communities such as Deer Creek and a large share of condominiums.
Many of those condos sit in age-restricted 55+ communities, the largest being Century Village East. Those communities follow federal rules for housing for older persons, so any tenant generally has to meet the community's age requirement, and each building's association sets its own leasing rules, from no leasing at all to waiting periods after purchase. Before you make an offer on a unit, get that building's documents, not just the community's. Permits for renovations go through the City of Deerfield Beach.
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.
Sometimes. Century Village East is age-restricted and made up of many separate associations, and leasing rules differ from building to building. Some don't allow leasing, others require you to own for a period first or limit how often you can rent. Get the specific building's rules before you commit.
Yes, for fix & flip, bridge and rental loans. Bring the flood zone, elevation certificate and seawall condition early, since waterfront insurance and repairs shape the budget and the loan.