Hialeah's dense blocks of single-family homes, duplexes and fourplexes make it one of South Florida's most active value-add markets. Tight inventory and cash competition reward investors who can move quickly on acquisition and rehab capital.
FFC Lending arranges fast, flexible financing for Hialeah real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Hialeah is one of the densest residential cities in South Florida: block after block of concrete-block single-family homes, duplexes and small multifamily buildings, plus warehouse and industrial space on the east side. Investors here are mostly doing value-add work, renovating a dated house to resell or holding a duplex or fourplex as a long-term rental.
The issue that comes up most in Hialeah is unpermitted space. Many homes have a converted garage or an add-on efficiency that was never permitted. Appraisers and lenders generally value only permitted square footage and legal units, and a DSCR loan can only count rent from a legal unit. We check the permit history and property record before structuring the loan, so the numbers we quote are numbers an appraiser will support.
Most of our Hialeah clients prefer to work in Spanish, and you can too: every call, document walkthrough and closing can happen in Spanish.
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 →Hialeah has the lowest typical home value of the six markets below and one of the strongest gross yields, which is exactly why investors keep coming back to it. Values have been essentially flat over the past year, so the return is coming from rent, not from the market lifting the asset.
Zillow Home Value Index and Zillow Observed Rent Index for Hialeah, 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.
Often yes, but the loan is usually based only on the permitted part of the property, and rent from an unpermitted unit typically can't be counted. Tell us about any additions up front and we'll show you how they affect the loan amount.
Sí. Todo el proceso, desde la primera llamada hasta los documentos y el cierre, puede ser en español.