Homestead is Miami-Dade's growth corridor — new rooftops, new retail, and a deep pipeline of ground-up and infill opportunities at land prices the urban core hasn't seen in a decade.
FFC Lending arranges fast, flexible financing for Homestead real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Homestead, incorporated in 1913, is one of the oldest cities in Miami-Dade County and sits at its southern end, between the Redland's farms and nurseries and the gateways to Everglades and Biscayne national parks. Hurricane Andrew devastated the area in 1992, so much of today's housing was rebuilt or built after the storm. Investors renovate older homes near the historic downtown along Krome Avenue, and buy townhomes and single-family homes in newer planned communities such as Keys Gate and Waterstone. Homestead Air Reserve Base is nearby.
A Homestead mailing address doesn't always mean the property is inside city limits. Large parts of the area served by Homestead ZIP codes, including much of the Redland, are unincorporated Miami-Dade, so zoning and permits may go through the County rather than the City of Homestead. Agricultural zoning in the Redland can also limit what you build or whether a lot can be split. In the newer communities, HOA dues and any community development district (CDD) assessments on the tax bill are part of the rental math.
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.
It depends on where the parcel actually sits. Inside city limits, the City of Homestead handles permits; much of the surrounding area with Homestead ZIP codes is unincorporated, where Miami-Dade County does. Check the property's jurisdiction before you set your timeline.
Possibly, but zoning comes first. Much of the Redland is unincorporated and agriculturally zoned, which can limit what's allowed on a lot. Our construction programs are for residential investment projects, so confirm the zoning with Miami-Dade County and send us the folio number early.