Residential Properties in Miami, FL
Single-family homes, townhouses, condos, and multi-family units. Residential properties offer stability, predictable cash flow, and long-term appreciation potential.
Avg Value
$450K
Avg Rent
$2,200/mo
Potential
High
Risk
Low
Residential real estate in Miami-Dade, single-family homes, townhouses, condos, duplexes, and small multifamily, remains one of the most active investment categories in South Florida. Hard Money Lenders of Miami finances residential acquisitions, renovations, and rental properties throughout the county, from Coconut Grove and Coral Gables to Kendall, Hialeah, and suburban corridors.
Our residential financing covers fix-and-flip, rental property (DSCR), bridge loans, and construction. Whether you're flipping a distressed single-family in Doral, acquiring a fourplex in Miami Springs, or renovating a condo in Miami Beach, we structure terms around your strategy and timeline.
Miami's residential market is competitive. Deals move fast, and traditional lenders often can't keep pace. We typically close in 7-14 days and offer asset-based underwriting, the property and your plan drive approval, not just your W-2.
What to Expect
We finance single-family, townhouses, condos, duplexes, triplexes, and fourplexes. Non-warrantable condos may have different terms, contact us to discuss.
LTV typically runs 70-75% depending on loan type. Fix-and-flip may go higher based on ARV; rental loans focus on DSCR.
Miami residential deals are competitive. Our 7-14 day timeline helps you secure properties before they're gone.
We know Coconut Grove, Coral Gables, Miami Beach, Kendall, Hialeah, Doral, and suburban corridors. Local expertise means we understand values and rents.
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.
- , Single-family homes
- , Townhouses
- , Condos
- , Townhomes
- , Duplexes
- , Triplexes
- , Fourplexes
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 residential properties do you finance in Miami?
We finance single-family homes, townhouses, condos, duplexes, triplexes, and fourplexes throughout Miami-Dade County. Our asset-based approach works for primary residences, second homes, and investment properties.
What's the typical LTV on residential in Miami?
We typically offer up to 75% LTV on residential properties, depending on the loan type. Fix-and-flip may go higher based on ARV; rental loans focus on DSCR.
How fast can I get funded for a residential purchase?
Our typical timeline is 7-14 days. We move fast because Miami residential deals are competitive, especially in hot areas like Coconut Grove, Coral Gables, and Miami Beach.
Do you finance condos in Miami?
Yes. We finance condos throughout Miami-Dade, including Miami Beach, Brickell, and downtown. Non-warrantable condos may have different terms, contact us to discuss.
What loan types work for residential?
Fix-and-flip, rental (DSCR), bridge, construction, and equity loans. We match the product to your strategy, flipping, holding, or refinancing.
Do you require tax returns?
Our asset-based approach often means we don't need personal tax returns. The property and your plan drive approval.
Who Invests in Residential Properties?
Get Financing
Ready to finance your residential properties in Miami? Contact us for a quick quote.
Apply NowCall 305-928-2678Explore Other Property Types
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.
Multifamily Properties
Properties with multiple residential units, offering stable cash flow and economies of scale. Multifamily investments are popular for long-term wealth building.