Land Loans in Miami, FL
Financing for raw land, vacant lots, and land development projects. Land loans are ideal for investors planning to hold for appreciation or develop in the future.
Avg Value
$250K
Price/Acre
$50K
Potential
High
Risk
Medium-High
Land in Miami-Dade, raw lots, vacant parcels, and development-ready sites, requires financing that understands zoning, permitting, and development timelines. Hard Money Lenders of Miami provides land loans and land development financing for investors and developers throughout the county.
Land loans typically run 50-65% LTV. Development-ready land with approved plans may qualify for better terms. We evaluate the land's value, zoning, utilities, and your development plan. For construction, we offer construction loans that cover land and build in a single structure.
Whether you're holding land for appreciation, preparing for development, or acquiring a lot for a future build, we can structure financing to match your timeline. Typical approval: 7-14 days.
What to Expect
Land loans typically run 50-65% LTV. Development-ready land with approved plans may qualify for better terms.
For construction, we offer construction loans that cover land and build, no need for separate land and construction financing.
We evaluate zoning, utilities, and your development plan. Raw land, vacant lots, and development sites all qualify.
Typical approval: 7-14 days.
Typical Properties
We finance these property types throughout Miami-Dade County. Our flexible terms accommodate a range of strategies, from fix-and-flip to long-term rental.
- , Vacant land
- , Raw lots
- , Developable land
- , Agricultural land
- , Commercial land
- , Zoned land
- , Development sites
Typical Loan Types
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 types of land do you finance?
We finance raw land, vacant lots, and land development projects throughout Miami-Dade. Ideal for investors planning to hold or develop.
What's the typical LTV on land?
Land loans typically run 50-65% LTV. Development-ready land with approved plans may qualify for better terms.
Can I use a land loan for construction?
Land loans typically fund the purchase. For construction, we offer construction loans that cover land and build in a single structure.
How long does land loan approval take?
Typically 7-14 days. We evaluate the land's value, zoning, and your development plan.
What do you need for approval?
Property details, zoning, utilities, and your development plan. We underwrite the land's value and feasibility.
Get Financing
Ready to finance your land loans in Miami? Contact us for a quick quote.
Apply NowCall 305-928-2678Explore Other Property Types
Residential Properties
Single-family homes, townhouses, condos, and multi-family units. Residential properties offer stability, predictable cash flow, and long-term appreciation potential.
Commercial Properties
Income-producing properties including retail spaces, office buildings, warehouses, and mixed-use developments. Commercial properties offer higher returns but require more expertise.
Investment Properties
Properties purchased specifically for income generation through rental or appreciation. Investment properties include both residential and commercial types.
Fix-and-Flip Properties
Distressed or undervalued properties purchased for renovation and resale at a profit. Fix-and-flip properties offer high potential returns but require renovation experience and capital.