Asset-Based Loans
Loan Programs for Real Estate Projects in Miami and Florida
Flexible Private Lending Options
We partner with a network of experienced private and hard money lenders who offer fast, flexible, and creative financing solutions for real estate investments and projects. Get access to a range of competitive loan programs that cater to the needs of both domestic and international borrowers, with loans ranging from $500k to $100 million+.
Loan Programs Summary
Whether you are flipping houses, building new construction projects, purchasing commercial properties, or need a bridge loan, our network of private lenders offers a range of loan programs tailored to fit your specific investment needs.
- Fix-and-Flip Loans: Short-term financing to purchase, renovate, and sell properties.
- Bridge Loans: Temporary funding for investors between transactions or property sales.
- New Construction Loans: Financing for ground-up development and major renovations.
- Multi-Family & Commercial Loans: Funding for apartment buildings, mixed-use properties, and commercial real estate investments.
- DSCR Loans: Income-based loans for rental properties, including single-family homes and multi-family units.
- Rental Property Loans: Long-term financing options for rental properties.
- Short-Term Rental Loans: Financing for properties used as short-term vacation rentals.
- Portfolio Rental Loans: Consolidation of multiple rental properties into one loan for easier management.
Loan Programs – General Terms
You will find below a breakdown of the loan types available through our network of private lenders.
Please note that each loan submission will be reviewed by a direct private lender or private lending company in our network.
The specific terms, conditions, origination fees and approval criteria of each loan will depend on the lender, the type of project, and the borrower’s qualifications. Approval and terms may vary based on the lender’s policies and requirements.
Please note that you will only be contacted by a private lender if they are interested in your loan opportunity or if they have any specific questions before confirming their interest.
1. Residential & Condo Investment Loans
- Property Types: Single-family homes, townhouses, condominiums
- Loan Amount: Up to $5,000,000
- Loan-to-Value (LTV): Up to 80%
- Term: 12–36 months
- Interest Rates: Starting at 7.5%–14%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Features: Interest-only payments, quick closings (as fast as 4–10 days)
- Best For: Investors looking to acquire or renovate residential properties for long-term rentals or resale. Also available for Foreign Nationals.
2. Fix-and-Flip & Renovation Loans
- Loan Amount: Up to $5,000,000
- LTV: Up to 90% of the purchase price & 100% of the renovation costs
- Term: Typically 12–24 months
- Rates: Starting at 7.5%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Property Types: Single-family homes, duplexes, triplexes, and up to 4-unit properties
- Closing Time: Fast, typically 10–14 days
- Features: Interest-only payments, no prepayment penalties, 100% of rehab costs covered
- Best For: Real estate investors looking to buy, renovate, and sell properties for a profit.
3. Bridge Loans
- Loan Amount: Up to $5,000,000
- LTV: Up to 85% (for purchases and refinances)
- Term: 12–24 months
- Rates: Starting at 8.5%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Closing Time: Quick, usually 5–10 days
- Features: Interest-only payments, no prepayment penalties, fast closing, flexible refinancing options
- Best For: Investors looking for short-term financing to bridge a gap between acquiring a property and securing long-term funding.
4. New Construction Loans
- Loan Amount: Up to $100,000,000
- LTV: Up to 85% of total project costs, up to 75% of ARV (After Repair Value)
- Term: 12–36 months
- Rates: Starting at 8.5%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Property Types: Single-family homes, multi-family buildings, commercial developments
- Features: Interest-only payments, flexible draw schedules (as quick as 4 days), funding for both residential and commercial projects
- Best For: Investors or developers looking to finance ground-up construction projects or major renovations.
5. Multi-Family & Commercial Real Estate Loans
- Loan Amount: Up to $25,000,000
- LTV: Up to 80% for multi-family, 70% for commercial properties
- Term: 12–36 months, with longer-term options available
- Rates: Starting at 9%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Property Types: Apartment buildings, commercial office spaces, mixed-use properties
- Features: Interest-only payments, flexible terms based on the property and the investor’s experience
- Best For: Investors looking to expand their portfolios with multi-family or commercial real estate properties.
6. Foreign National Mortgages
- Loan Amount: Up to $5,000,000
- LTV: Up to 65–75%
- Rates: Starting at 9%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Features: No U.S. credit required, non-U.S. citizens and international investors accepted
- Best For: Foreign nationals interested in investing in Miami and Florida real estate without the need for U.S. credit history.
7. Aviation Finance
- Loan Amount: Up to $5,000,000
- Property Types: Personal and corporate aircraft
- Term: 12–36 months
- Rates: Starting at 9%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Features: Interest-only payments, flexible terms, fast disbursements
- Best For: Individuals or companies looking to finance the purchase or refinancing of aircraft.
8. DSCR (Debt Service Coverage Ratio) Loans
- Loan Amount: $500,000–$5,000,000
- LTV: Up to 80% for purchase, 75% for refi or cash-out
- Rates: Starting at 7%
- Term: 15, 30-year fixed, or ARM options
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Requirements: No personal income verification; based on rental property income
- Best For: Investors who want to purchase or refinance income-generating properties with flexible loan terms.
9. Rental Property Loans
- Loan Amount: $500,000–$5,000,000
- LTV: Up to 80% on purchase, up to 75% on rate/term refi & cash-out
- Rates: Starting at 8%
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Term: Flexible term options, including interest-only or fully amortized options
- Features: No personal income verification, 1–9 units, no prepayment penalties, shorter seasoning period (with leverage available in just 90 days)
- Best For: Investors seeking to finance long-term rental properties with flexible repayment terms.
10. Short-Term Rental Loans
- Loan Amount: Up to $5,000,000
- LTV: Up to 75% on purchases, 70% for cash-out
- Origination Fee / Points: Varies depending on the lender, loan amount, and project specifics.
- Minimum FICO: 680
- Features: Interest-only or fully amortizing, fixed-rate or adjustable-rate, short-term rental data used for underwriting, no prepayment penalties available
- Best For: Investors looking to finance properties used as short-term vacation rentals (e.g., Airbnb, VRBO).
11. Portfolio Rental Loans
- Loan Amount: Multiple properties combined into one loan
- Loan Types: Fixed-rate, ARMs, interest-only, or fully amortizing
- Features: Consolidate multiple rental properties into one loan, flexible prepayment options
- Best For: Investors who want to consolidate multiple rental property loans into a single loan to streamline their financing.
12. Yacht and Boat Financing – Click here
Why Choose Private Loans for Your Real Estate Projects?
Private loans and hard money loans provide a more flexible and faster alternative to traditional bank financing. Here’s why real estate investors prefer these options:
- Fast Approval & Closing: Get funding within 4-14 days, allowing you to move quickly on lucrative opportunities.
- Fewer Requirements: Many loans don’t require personal income verification or credit score checks.
- Flexible Terms: Choose from interest-only payments or full amortization options, and avoid prepayment penalties.
- Property-Based Financing: Loans are based on the value of the property, not your personal finances, making it easier for investors to qualify.
Get Started Today
If you are ready to explore loan options from our direct private lenders network, simply submit your loan application and our team will do its best to connect you with the right lending partners who can help you secure the financing needed in Miami and Florida.
Disclaimer : Miami Private Loans.com is not a licensed mortgage broker. We act as a consultant, facilitator, introducer, and lead generation website, connecting borrowers with verified private lenders in our network. Lenders may have specific requirements and terms based on the type of loan, property, and borrower qualifications. Borrowers who submit a loan request