Pembroke Pines is family-rental country: solid suburban homes, reliable tenant demand, and steady appreciation that suits buy-renovate-hold investors on 30-year DSCR terms.
FFC Lending arranges fast, flexible financing for Pembroke Pines real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Pembroke Pines is one of Broward County's largest cities and mostly a family market: single-family homes and townhomes in planned communities built largely from the 1980s through the 2000s, many of them inside homeowner associations. That makes it a natural fit for long-term rentals, where steady tenants and newer construction support the numbers.
Here the association usually matters more than the house. Many HOAs require tenant approval, set minimum lease terms or cap how many homes can be rented, and their dues come out of your rental income. On homes from the 1990s and early 2000s, roof age is the other thing to check, since it drives the insurance premium. We review both before you commit to a rental plan.
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. If the HOA limits rentals, requires long minimum lease terms or must approve tenants, that can affect whether the property qualifies and how the rent is counted. Bring the HOA's rules and dues to the first call.
Often, yes. Newer homes usually need fewer repairs and cost less to insure, which helps the rental numbers on a DSCR loan. The HOA's leasing rules and dues are usually the bigger factor.