Miami-Dade County Hard Money Loans

How We Look at a Miami-Dade County File

We underwrite investment property in Miami-Dade County on the asset. What carries the file is the property, the equity behind it, and a clear plan for paying the loan off.

The county seat is Miami, and the county sits on the water in South Florida. We lend across the whole county, not only the Miami area.

Because the review is asset based, files that stall at a bank can still move. Self employment, thin documentation, and a property that needs work are all workable when the equity and the exit are there.

Loan Purposes

• Purchase

  Acquisition financing for investment property, including deals that need to close on a short timeline.

• Rehab and renovation

  Funding for property that will not pass a conventional lender's condition review until the work is done.

• Refinance and cash out

  Pulling equity out of a held property, or replacing financing that is coming due.

• Bridge

  Short term financing that carries a property between one situation and the next.

Timing

Speed is the reason most investors call. A hard money loan can fund in days where a conventional file takes weeks, and the difference decides who gets the property.

Once a property is under contract, the process is short. We review the asset, confirm the numbers, and give an answer that a borrower can act on.

There are no upfront fees and no junk fees, so nothing has to be spent before there is an answer.