From Victoria Park cottages to canal-front repositions, Fort Lauderdale supports every strategy — flip, bridge, and long-term rental — with a buyer pool that rewards fast, clean closings.
FFC Lending arranges fast, flexible financing for Fort Lauderdale real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Fort Lauderdale mixes several very different investment markets. Near downtown, Flagler Village and the Historic Sistrunk corridor see renovations and new infill construction. Victoria Park, Rio Vista and Colee Hammock have older single-family homes that investors renovate or tear down and rebuild. East of the Intracoastal and along the canals, the deals are waterfront homes and beachside condos.
With miles of canals and Intracoastal frontage, water is the deciding factor on many Fort Lauderdale loans. Flood zone, flood and windstorm insurance, and for waterfront homes the condition of the seawall, all feed into the appraisal and the monthly payment. Older beachside condo buildings also have to keep up with Florida's post-Surfside inspection and reserve requirements. We look at these first so the loan you're quoted is the loan that closes.
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 →Fort Lauderdale has seen typical values ease slightly over the past year while asking rents rose at the fastest clip of the six markets below. For a rental deal that is the favourable direction: the payment is set by what you buy for, the income by what it rents for.
Zillow Home Value Index and Zillow Observed Rent Index for Fort Lauderdale, September 2026, from Zillow Research public data. ZHVI is the typical value of a home in the 33rd–67th percentile range and ZORI is the typical asking rent — neither is a median sale price. Gross yield is annual ZORI divided by ZHVI and ignores taxes, insurance, vacancy and management. City-wide figures; your block will differ.
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.
Yes, for investment purposes. Waterfront loans depend on the appraisal, flood and windstorm insurance and the condition of the seawall, so share what you know about the property early and we'll tell you how it affects the loan.
Possibly. Some DSCR programs count short-term rental income, usually backed by a rental history or a market-rent analysis, and the property must comply with the city's vacation rental rules. Tell us the plan up front and we'll match you to a program that allows it.