Condo repositions, short-term-rental buildings and classic Art Deco renovations make Miami Beach a specialist's market. Business-purpose capital that understands condo and coastal insurance realities is essential.
FFC Lending arranges fast, flexible financing for Miami Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Miami Beach is mostly a condo market, from Art Deco buildings in South Beach to towers along Collins Avenue and Mid-Beach, with single-family homes concentrated in Mid-Beach, North Beach, Normandy Isles and the bayside islands. Investors buy condo units to renovate and resell or hold as long-term rentals, and renovate single-family homes in the quieter neighborhoods north of South Beach.
Two things decide most Miami Beach loans. First, the building: after the Surfside collapse, Florida tightened condo inspection and reserve requirements, and many older buildings now face major repairs and special assessments that lenders review closely. Second, the rental plan: Miami Beach restricts short-term rentals in most residential areas, and many associations ban them, so rental loans are usually underwritten on long-term rent. We look at both before you make an offer.
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.
Often not. Miami Beach restricts short-term rentals in most residential areas and many condo associations ban them, so rental loans here are usually based on long-term rent. Check the zoning and the association's rules before you buy.
Lenders will want to know the amount, what it covers and whether it's paid. Large assessments or pending structural repairs can limit which programs work, so share the association's documents early.