Kendall's suburban single-family stock is a rental-conversion workhorse: investors buy dated homes, renovate, and hold on DSCR loans against dependable family-tenant demand.
FFC Lending arranges fast, flexible financing for Kendall real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Kendall is a large suburban area rather than a single city: most of it is unincorporated Miami-Dade County. In east Kendall, around Dadeland and the older neighborhoods, you'll find 1960s and 1970s ranch homes that investors renovate to resell or rent, plus condos and mixed-use buildings near Dadeland and the Metrorail. Farther west, The Hammocks, Kendale Lakes and West Kendall are mostly townhome and single-family communities built in the 1980s and 1990s, many inside homeowner associations.
Because most of Kendall is unincorporated, renovation permits generally go through Miami-Dade County rather than a city building department, and that affects your timeline. In the western communities, HOA leasing rules and dues are usually the bigger factor on a rental loan. We ask about both on the first call.
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.
Most of Kendall is unincorporated, so permits generally go through Miami-Dade County rather than a city building department. Confirm the property's jurisdiction before you set your timeline; we'll ask about it on the first call.
Yes, for investment purposes. As with any condo, the loan depends on the building: the association's budget, reserves, insurance and how many units are rented. Send us the building name early.