Residential Developers in Miami, FL
Professionals specializing in residential development projects, from ground-up construction to major renovations. Residential developers need fast, reliable financing to manage project timelines and budgets.
Avg Loan Size
$1,500,000
Project Size
$2.0M
Residential development in Miami-Dade requires speed, flexibility, and a lender who understands construction timelines. Permits, contractor schedules, and market windows don't align with traditional bank underwriting. Hard Money Lenders of Miami provides construction loans, bridge financing, and land development capital for developers building single-family, townhome, and small multifamily projects across the county.
We fund ground-up construction, major renovations, and infill development. Our draw-based structure releases capital as milestones are met, foundation, framing, mechanicals, final, so you're not sitting on excess debt before you need it. We work with qualified general contractors and evaluate each project on feasibility, not just credit scores.
Whether you're developing in Doral, Miami Springs, or the suburban corridors of South Miami-Dade, we understand local zoning, permitting timelines, and what it takes to get a project across the finish line. First-time developers with solid plans and experienced GCs can qualify alongside seasoned builders.
What to Expect
Construction loans are draw-based: you receive funds as milestones are met. Typical draws include foundation, framing, rough mechanicals, and final completion. We inspect progress and work with your GC to keep the project on schedule.
Land development, ground-up construction, and major renovations all qualify. We need approved plans, permits (or a clear path to them), and a qualified general contractor. First-time developers with strong plans can qualify.
Terms typically run 12-18 months for construction, with flexibility for larger or more complex projects. Interest accrues on drawn amounts, not the full loan, so you're not paying on capital you haven't used yet.
We've funded projects from single-family infill to small subdivisions. If the numbers work and the team is qualified, we can structure financing to match your timeline.
Typical Use Cases
Residential Developers in Miami-Dade often use hard money for these purposes. Our flexible terms accommodate a range of strategies and timelines.
- , Ground-up construction
- , New subdivisions
- , Multi-family development
- , Major renovations
- , Land development
Success Factors
Borrowers who succeed with hard money financing typically bring these strengths to the table. We evaluate each deal holistically, experience helps, but a solid plan and qualified team matter most.
- , Development experience
- , Permitting knowledge
- , Contractor relationships
- , Budget management
Why Choose Hard Money Lenders of Miami
- , 24-48 hour approval process, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , No prepayment penalties, exit when it makes sense
- , Local Miami expertise, we know the market
- , Flexible terms, tailored to your investment needs
How It Works
Frequently Asked Questions
What financing do you offer residential developers?
We offer construction loans, bridge loans, and land development financing for residential projects throughout Miami-Dade.
How does the draw process work for developers?
We release funds in draws as construction milestones are met. We work with your GC and inspect progress.
What if I'm a first-time developer?
Strong plans, qualified contractors, and a solid project can qualify. We evaluate each deal on its merits.
How fast can I get construction funding?
Typically 7-14 days. We understand Miami development timelines, we move fast.
Do I pay interest on the full loan amount?
No. Interest accrues on drawn amounts only. You're not paying on capital you haven't used yet.
What's the typical construction loan term?
Construction terms typically run 12-18 months. We can extend for larger or more complex Miami projects.
What do you need for approval?
Approved plans, permits (or a clear path), qualified general contractor, and a feasible project. We underwrite the deal, not just your credit.
Get Started
Ready to explore hard money financing for residential developers? Contact us today for a quick quote.
Apply NowCall 305-928-2678Explore Other Borrower Types
Real Estate Investors
Experienced investors who purchase, renovate, and sell properties for profit. Whether flipping single-family homes or building rental portfolios, real estate investors rely on hard money for quick, flexible financing.
Commercial Developers
Developers focused on commercial real estate projects including retail, office, industrial, and mixed-use developments. Commercial developers require substantial, flexible financing for complex projects.
Fix-and-Flip Projects
Homeowners and investors purchasing distressed properties to renovate and sell for profit. Fix-and-flip projects require quick funding, renovation budget support, and streamlined closing processes.
Property Rehab Projects
Projects focused on significant renovations and improvements to increase property value. Property rehab projects benefit from construction loans and draw-based funding structures.