Sunrise combines affordable entry points with strong rental absorption, making it a frequent first market for investors scaling from one property to a portfolio.
FFC Lending arranges fast, flexible financing for Sunrise real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Sunrise was incorporated in 1961 as Sunrise Golf Village and took its current name in 1971. Today it's a western Broward city anchored by Sawgrass Mills and Amerant Bank Arena, with office parks near the Sawgrass Expressway. The older eastern side has single-family homes from the city's early decades, while large planned areas like Springtree and Welleby mix single-family homes, townhomes and condos, often across many separate associations. Sunrise Lakes is one of several large condo communities, and it is age-restricted to residents 55 and older.
In Sunrise, association rules often decide whether a property works as a rental. Age-restricted communities limit who can live there, many associations require tenant approval or set minimum lease terms, and some cap the number of rentals. Monthly dues count against the rent on a rental loan, and older condo buildings must meet Florida's post-Surfside inspection and reserve requirements. Permits go through the City of Sunrise. We read the association documents with you before you make an offer.
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 association. Age-restricted communities generally require that occupants meet the age rule, and many also require tenant approval or minimum lease terms. That narrows who can rent, so read the documents before you buy.
Yes. On a DSCR loan, monthly dues are counted alongside taxes and insurance against the rent, so higher dues lower the amount the property can support. Bring the current dues and any planned assessments.