Rehab Loans in Miami, FL
Specialized financing for property rehabilitation projects, including major renovations, additions, and value-add improvements. Rehab loans provide funds throughout the renovation process.
Avg Value
$500K
Rehab Cost
$150K
Value Increase
35%
Potential
Very High
Risk
Medium
Rehab loans fund major renovations, gut rehabs, additions, and value-add improvements on existing properties. Hard Money Lenders of Miami provides rehab financing with draw-based disbursements, you receive funds as milestones are met, so you're not carrying excess debt before you need it.
We finance single-family rehabs, multifamily value-add, and commercial repositioning throughout Miami-Dade. The draw process ensures you only pay interest on what you've drawn. We need a scope of work, budget, timeline, and qualified general contractor.
Terms typically run 6-18 months depending on project scope. Extensions are available when projects run longer due to weather, permitting, or scope changes. We typically fund in 7-14 days.
What to Expect
Draw-based: you pay interest only on drawn amounts. Funds release at milestones: demo, mechanicals, finishes, final.
We need scope of work, budget, timeline, and qualified GC. We inspect at each draw.
Terms run 6-18 months. Extensions available for weather, permitting, or scope changes.
Single-family, multifamily value-add, and commercial repositioning all qualify.
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.
- , Major renovations
- , Full gut renovations
- , Addition projects
- , Property upgrades
- , Value enhancement projects
- , Restoration projects
- , Modernization projects
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's the difference between rehab and fix-and-flip?
Rehab loans focus on renovation projects, major renovations, additions, or value-add improvements. Fix-and-flip is a specific type of rehab with a quick sale exit.
How does the draw process work for rehab?
Funds release in draws as construction milestones are met. We inspect progress before each disbursement.
What if I have no construction experience?
A qualified general contractor and solid plans are key. We evaluate each project on its merits.
How fast can I get funded for a rehab project?
Typically 7-14 days. We move fast for Miami investors who need to close quickly.
Do I pay interest on undrawn amounts?
No. Interest accrues only on what you've drawn. You're not carrying excess debt before you need it.
Can I get extensions if the project runs long?
Yes. Extensions are available when projects run longer due to weather, permitting, or scope changes.
Get Financing
Ready to finance your rehab 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.