North Miami and its neighbors offer some of the county's last approachable entry points, drawing steady fix-and-flip and small multifamily activity along the Biscayne corridor.
FFC Lending arranges fast, flexible financing for North Miami real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
North Miami covers a wide range of property types in a compact area. East of Biscayne Boulevard, Keystone Point and Sans Souci have mid-century homes along canals with bay access. Central and western neighborhoods have older single-family homes, duplexes and small apartment buildings. Downtown runs along NE 125th Street near the Museum of Contemporary Art, and condo buildings line the Biscayne Boulevard corridor. FIU's Biscayne Bay Campus sits on the bay in the city's northeast, near the large SoLé Mia development.
On the east side, water drives the numbers. Canal-front and low-lying properties can sit in FEMA flood zones, so flood insurance, the elevation certificate and, for waterfront homes, the seawall's condition all matter to the appraisal and rental math. Along Biscayne Boulevard, older condo buildings must meet Florida's post-Surfside inspection and reserve requirements, which can mean special assessments. Permits go through the City of North Miami. We review the flood or building side 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.
Yes, for investment purposes. Expect lenders to look closely at the flood zone, flood and windstorm insurance and the seawall. Bring the elevation certificate and any seawall inspection to the first call.
Often, if the association allows it. Many associations set minimum lease terms, tenant approval or rental limits, and some programs treat room-by-room leases differently. Send us the building's rules before you make an offer.