Miami Gardens sees consistent investor demand for single-family value-add deals, with strong end-buyer and rental absorption. Speed to close is often the difference between winning and losing the contract.
FFC Lending arranges fast, flexible financing for Miami Gardens real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Miami Gardens incorporated in 2003, bringing together established areas such as Carol City, Norland, Andover and Lake Lucerne into one of Miami-Dade's larger cities. Most of its housing is single-family, much of it concrete-block homes built in the mid-twentieth century, with townhome and condo communities mixed in. Investors renovate these older homes to resell or hold as rentals. The city is home to Hard Rock Stadium, Florida Memorial University and St. Thomas University, and has commercial corridors along NW 27th Avenue and NW 183rd Street.
On an older Miami Gardens home, the roof, electrical and plumbing, along with insurance inspections like four-point and wind-mitigation reports, usually decide the rehab budget and the rental math. Permits for properties in the city go through the City of Miami Gardens. If you're buying in a townhome or condo community, the association's leasing rules and dues matter as much as the unit. And if you're thinking of renting short-term around stadium events, check city rules and the association first.
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.
Possibly, but check the rules first. Short-term renting depends on city regulations and, in HOA or condo communities, the association's rules. Lenders typically want to see that short-term use is allowed, and many rental loans are based on long-term rent.
Mainly the condition of the roof, electrical and plumbing, since those drive insurance and the rehab budget. A four-point or wind-mitigation report, plus your scope of work, helps us size the loan.