Delray's Atlantic Avenue energy spills into its neighborhoods — renovated cottages and small multifamily near downtown trade at premiums that justify serious rehab budgets.
FFC Lending arranges fast, flexible financing for Delray Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Delray Beach centers on Atlantic Avenue, with downtown condos, townhomes and mixed-use buildings around Pineapple Grove and the blocks between I-95 and the ocean. Around downtown, older single-family homes and small multifamily buildings are renovated or replaced with new construction, and east of the Intracoastal you'll find waterfront homes and beach-area condos. The city also has several locally designated historic districts, including Old School Square, Del-Ida Park, the Marina district, Nassau Park and West Settlers.
If a property sits in a historic district, exterior changes and new construction generally need review by the city's historic preservation board before permits are issued, which adds time to a renovation or construction loan. Also check the address: much of what's called West Delray, including many 55+ and gated communities, is unincorporated Palm Beach County even with a Delray Beach mailing address, so permits and rules come from the county. We confirm the jurisdiction before sizing your loan term.
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.
Exterior changes and new construction in a historic district generally need the city's historic preservation review before permits, and that adds time. We size the loan term around your approval and build schedule, so share your plans early.
Often not. Much of West Delray, including communities like Kings Point and the Villages of Oriole, is unincorporated Palm Beach County with a Delray Beach mailing address. That changes who issues permits, and age-restricted community rules can limit who you can rent to.