Palmetto Bay's larger lots and top-rated schools make it a target for heavy renovations and knock-down-rebuild projects aimed at end users who pay for finished product.
FFC Lending arranges fast, flexible financing for Palmetto Bay real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Palmetto Bay incorporated as a village in 2002, between Pinecrest and Cutler Bay, and it remains mostly single-family, with many homes on larger lots than you see in much of Miami-Dade. East of Old Cutler Road, the village runs toward Biscayne Bay and the Deering Estate, where homes and estates sit close to the water. Investors here mostly renovate dated ranch homes or tear down older houses and build new ones, while the village's Downtown Urban Village district near US-1 allows more mixed-use development.
Because the village handles its own building permits and zoning, setbacks, lot coverage and design rules come from Palmetto Bay's code rather than the County's, and they shape what a teardown lot can hold. Near the bay, flood zone requirements can raise the finished floor elevation and the cost of new construction, and they affect insurance on any purchase. On a construction loan, we size the term around the village's review and your build schedule.
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.
The Village of Palmetto Bay. Since it incorporated, the village has handled its own building permits and zoning, so lot coverage, setbacks and other rules come from the village code. Check them before you finalize plans for a new home.
Properties east of Old Cutler Road can sit in flood zones that set a minimum elevation for new homes, which can add cost and time. Bring your survey, flood zone and plans so the loan amount and term fit the real build.