Miami Lakes is our home base. We know its lake-front pockets, townhome clusters and Main Street commercial strip street by street — and we meet local investors face to face.
FFC Lending arranges fast, flexible financing for Miami Lakes real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Our office is at 5803 NW 151 St in Miami Lakes, so this is the market we know best. Miami Lakes was master-planned beginning in the 1960s by the Graham family and incorporated as a town in 2000, and that planning shows: tree-lined neighborhoods built around lakes, townhome and condo communities, and the Main Street town center.
Investor deals here look different from neighboring Hialeah: more townhomes and condos inside homeowner associations, newer single-family homes, and steady rental demand from families and commuters who want quick access to the Palmetto Expressway, I-75 and the Turnpike. Association rules matter. Some HOAs and condo associations limit rentals, set minimum lease terms or require tenant approval, so we check them before you commit to a rental plan.
Miami Lakes also has a strong small-business base along its commercial corridors. If you run a business here, you can stop by the office and talk through working capital or a line of credit in person.
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 →Miami Lakes carries the highest typical home value of the markets we lend in most, and the lowest gross yield to go with it. Deals here tend to work on appreciation and on quality of tenant rather than on raw cash flow, which is why the rent-versus-payment maths below matters more here than almost anywhere else in Miami-Dade.
Zillow Home Value Index and Zillow Observed Rent Index for Miami Lakes, 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.
Yes. Our office is at 5803 NW 151 St #104 in Miami Lakes. Call (786) 723-5626 to set a time, in English or Spanish.
They can. If the association limits rentals or requires long minimum lease terms, that can affect whether the property qualifies and how the rent is counted. Bring the association's rules and dues to the first call.