Miami Hard Money Lender

Hard money loans in Miami

Fix and flip, new construction and bridge loans for South Florida investors from a Florida direct lender. Loans up to $2M, up to 85% of your project cost, 100% of the rehab funded through draws, and a term sheet in 24 hours with no credit pull.

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Term sheet in 24 hours. No obligation.

No credit pull required. Your information is secure.

$100K-$2M

Loan size

Up to 85%

Loan-to-cost

100%

Rehab funded

Up to 70%

Of ARV

From 10%

Rate

12 mo

Term

Why Requity

A Florida lender for Miami investors

Florida lender, Florida underwriting

We are headquartered in Tampa, and Requity Group owns and operates real estate in Florida. Your deal is reviewed by people who know Florida's title, permitting and insurance rules, including South Florida's stricter building code.

Loans sized for South Florida

Loans from $100K to $2M cover most South Florida single-family and small multi-unit flips, with 100% of the rehab funded through draws.

Fast enough for this market

Good South Florida deals move quickly. We issue term sheets in 24 hours and close in as fast as 72 hours from a signed term sheet.

What We Fund

Hard money loans we make in South Florida

Short-term, asset-based loans for investors buying with an LLC or corporation. We do not make consumer or owner-occupied loans.

Fix and flip loans

Up to 85% of your total project cost and 100% of the rehab through draws, 12-month terms, no exit fee.

New construction loans

Land and vertical construction in one loan, from spec homes to small multifamily, with draws released as milestones are finished.

DSCR rental loans

30 and 40-year rental loans qualified on the property's rent, not your income, for investors who want to hold or refinance out of a flip.

Transactional funding

A-B purchase capital for wholesalers doing double closings, so you can close and resell on the same day.

Two Programs

Miami fix and flip loan terms

The same two programs we offer nationally. Experienced flippers get our best pricing; newer investors get the same 100% rehab funding with no minimum credit score.

Premier Balance Sheet

Who it is for 3+ flips in the last 24 months and 650+ credit First-time and newer flippers, no minimum credit score

Rate 10% fixed, interest-only From 12% fixed, interest-only

Origination 2 points ($4,000 minimum) 2 points ($4,000 minimum)

Purchase price Up to 90% Up to 85%

Total project cost Up to 85% Up to 85%

After-repair value Up to 70% Up to 70%

Rehab budget 100%, through draws 100%, through draws

Term 12 months, no exit fee 12 months, no exit fee

Your loan is the lowest of the purchase, cost and ARV limits. Loans carry a 4-month minimum of interest. All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Local Knowledge

Flipping in South Florida: what to plan for

Miami-Dade and Broward have rules you will not find anywhere else in Florida. These are the ones that change a deal's numbers most often.

The High-Velocity Hurricane Zone

Miami-Dade and Broward are in the Florida Building Code's High-Velocity Hurricane Zone. Roofing, windows and doors must carry the approvals required there, usually a Miami-Dade Notice of Acceptance, and impact-rated openings cost more than standard ones. Price them into your budget from the first bid.

Miami-Dade deed stamps

Miami-Dade charges deed stamps at $0.60 per $100 of the price, not the $0.70 used in the rest of Florida. A sale of anything other than a single-family home, such as a duplex, adds a $0.45 surtax. Note stamps on your loan ($0.35 per $100) and intangible tax (0.2%) are the same as everywhere in Florida.

Many building departments

Miami-Dade has dozens of cities, and most run their own building department, so permit rules and review times change from Hialeah to Miami Gardens to unincorporated Miami-Dade. Broward works the same way. Confirm the jurisdiction before you sign a contractor.

Condos and flood zones

Florida's condo safety laws require milestone structural inspections and funded reserves for many older buildings, which has led to large special assessments. Much of South Florida is also in a FEMA flood zone, so check flood insurance cost and the 50% substantial improvement rule before a big renovation.

How It Works

From offer to sale in four steps

Send the deal

Share the address, purchase price, scope of work and your ARV estimate. You get a term sheet within 24 hours, with no credit pull.

Valuation and title

We order the valuation and work with your Florida title company or closing attorney. Bring your LLC documents and a line-item rehab budget.

Close in as fast as 72 hours

Most residential bridge deals close within 72 hours to 14 business days from a signed term sheet, depending on title and the valuation.

Renovate, draw, sell

Request draws as phases are finished. When the house sells, the loan is paid off at closing. No exit fee.

Have a deal? Get terms in 24 hours.

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FAQ

Miami hard money loan FAQ

Don't see your question? Call 813.338.1000 or email contact@requitygroup.com.

Ask about your deal →

Are you a hard money lender in Miami?

Yes. Requity Lending is a direct private lender based in Tampa that lends throughout South Florida. We make short-term, asset-based loans to investors for fix and flip, new construction, transactional and bridge deals, and we make long-term DSCR rental loans when you are ready to hold.

Which areas of South Florida do you lend in?

Miami-Dade, Broward and Palm Beach counties, including Miami, Hialeah, Miami Gardens, North Miami, Homestead, Fort Lauderdale, Hollywood, Pembroke Pines, Pompano Beach and West Palm Beach, and the rest of Florida.

What does a hard money loan cost in Miami?

Fix and flip rates are 10% fixed and interest-only on our Premier program and from 12% on Balance Sheet, with 2 origination points ($4,000 minimum) and no exit fee. Florida adds documentary stamp tax on the note ($0.35 per $100 of the loan) and intangible tax (0.2% of the loan) at closing.

Do you lend on Miami condos?

Yes, on warrantable condominiums and townhomes. We review the association's finances, milestone inspection status and reserves, because a large special assessment can wipe out a flip's profit.

Can foreign nationals or out-of-state investors borrow?

We lend to LLCs and corporations, not individuals. An entity formed outside Florida generally needs to register with the Florida Division of Corporations (Sunbiz) as a foreign entity, which we confirm before closing. Ask us about your situation and we will tell you upfront if we can help.

How fast can you close in Miami?

As fast as 72 hours from a signed term sheet. Most residential deals close within 72 hours to 14 business days, depending on title work and the valuation.