Pompano's redevelopment wave — from the beach district to Old Pompano — has made it one of Broward's most active flip markets, with older stock trading at renovation-friendly prices.
FFC Lending arranges fast, flexible financing for Pompano Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Pompano Beach runs from the ocean west past I-95, and its housing changes a lot along the way. East of Federal Highway, neighborhoods like Garden Isles and Harbor Village have mid-century homes on canals that lead to the Intracoastal and the Hillsboro Inlet. Along the beach, condo buildings line A1A near the rebuilt Fisher Family Pier and the city's beachfront redevelopment. Farther west, Palm Aire has golf-course condos, and older neighborhoods like Cresthaven and Old Pompano have block homes that investors renovate to resell or rent.
On the canal and beach side, flood zone, seawall condition and insurance often drive the numbers more than the kitchen does, so get an elevation certificate and an insurance quote early. Permits go through the City of Pompano Beach. If you're thinking about short-term rentals, the city requires its own short-term rental permit and inspection on top of state licensing, and many condo associations limit rentals. We help you underwrite on long-term rent when that's the safer assumption.
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.
It depends on the property. The city requires a short-term rental permit and inspection, the state requires a vacation rental license, and many condo associations restrict or ban short-term leases. Check all three before you buy, and we'll tell you whether a short-term rental program fits.
Start with the flood zone, the elevation certificate and the seawall. Seawall repairs can be expensive and insurance on waterfront homes varies widely, and both affect the loan. Bring what you have to the first call.