Bridge financing
Short-term funding may help close a Miami purchase before a sale or refinance completes. Show the repayment event, its timing and what happens if it is delayed.
Explore this financingMiami · Florida
Hard Money Lenders in Miami, FL
Need financing for a Miami property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us about your Miami deal
Tell us what you need to borrow and your plans for the property.
- Fast closings available on time-sensitive deals
- All credit considered
- Flexible financing with no fixed loan limits
Share a property in Miami and South Florida with Hard Money Specialists and explore financing suited to your plans.
From your first inquiry to a financing decision
- 01
Tell us the situation
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
- 02
Talk it through
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
- 03
Review the proposal
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
- 04
Complete the lender's checks
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Details that help a specialist get started
- Property address, type and current condition
- Purchase contract or existing loan balances
- Amount needed and cash or equity available
- Repair scope, estimates and permit status
- Expected sale, refinance or other repayment plan
- Any deadline, notice or complication
Why Hard Money Specialists
A national brand behind your Miami inquiry
Hard Money Specialists helps borrowers in Miami and South Florida explore specialist real estate financing. Share your deal and get a clear starting point for the next conversation.
Miami deals, reviewed individually
A Brickell condo, a Little River renovation and a Hialeah duplex can need very different funding. We start with your actual property and plan.
Building and insurance questions asked early
Association finances, flood zones and insurance quotes can decide a Miami deal. We raise them at the start so the conversation stays realistic.
Free to ask the important questions
Your initial Miami inquiry is free. Talk through the timeline, costs and repayment plan before choosing whether to take a proposal further.
A practical starting point for your Miami deal
Miami deals often move quickly and can involve higher values, condo buildings, foreign or out-of-state buyers and tight contract deadlines. Hard money loans in Miami, Florida may help in suitable situations where speed or the property's condition rules out a conventional loan for now.
Hard Money Specialists helps you talk through the deal with a hard money specialist. Explain the property, your cash or equity, your deadline and how the loan will be repaid, whether through a sale, refinance or another event.
A condo in an older Brickell or Miami Beach building, a single-family renovation in Little River and a small multifamily in Allapattah raise very different questions. Building condition, insurance and association finances can matter as much as the price.
Read the hard money loans guide
Financing options for Miami real estate
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Fix and flip
Purchase and renovation financing for a South Florida resale. Budget for permits, impact windows, roofing and insurance as well as finishes, and support the resale value with recent nearby sales.
Explore this financingRental and investment property
Single-family, condo and small multifamily purchases can be discussed. Include rent, association fees, insurance, taxes and any leasing restrictions in the building.
Explore this financingConstruction and redevelopment
For a new build or major renovation, bring plans, permit status, contractor estimates, flood zone details and a realistic schedule.
Explore this financingCommercial and special situations
Mixed-use, retail, land or an urgent payoff needs a property-specific review. Share current use, occupancy, leases, liens and the route to repayment.
Explore this financingWhat to check before you commit
A good financing plan starts with a workable property plan. A few local checks can uncover costs or delays before they become a problem.
Condo building health
For a condo, review the association's budget, reserves, any special assessments and recent inspection or recertification work. These can affect value, financing and resale.
Flood zone and insurance
Check the flood zone and get wind and flood quotes early. Insurance costs in coastal Miami-Dade can change a deal's numbers significantly.
Permits and older work
Look for open or expired permits and unpermitted additions. Work done without permits can delay a closing or lower the value a lender will accept.
City or county jurisdiction
Miami-Dade has many separate municipalities and unincorporated areas. Confirm which office handles permits and zoning for the exact address.
Useful local records
- Miami-Dade Property Appraiser: look up parcel details, values and exemptions.
- City of Miami permits and construction: find permitting information for properties inside City of Miami limits.
- Miami-Dade Clerk of the Court: search official records such as recorded deeds, mortgages, liens and court cases.
Plan for the whole cost, not just the loan
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Miami dealMiami and the surrounding region
You can send a deal in Miami or nearby South Florida areas such as Miami Beach, Hialeah, Coral Gables, North Miami and Homestead. Include the address and municipality so the discussion starts with the right records. Availability depends on the individual property and the lender.
MiamiMiami BeachHialeahCoral GablesNorth MiamiHomestead
If a Florida foreclosure case is underway
Share the case number, notices, any sale date, outstanding debt and equity position as early as possible. Sending an inquiry does not pause a Florida foreclosure case or a scheduled sale. A qualified Florida attorney can explain the deadlines and legal options while financing is reviewed.
Read about foreclosure bailout optionsHow Florida lending rules can affect your timeline
Florida is a judicial foreclosure state. Loans are secured by a mortgage, and a lender generally has to go through the court system before a property can be sold, so the process usually takes longer than in non-judicial states.
For buyers, that can mean distressed properties come to market more slowly and with more paperwork attached. For owners behind on payments, the court process can create a window to arrange a refinance or sale, though that window varies from case to case.
Florida also has broad homestead protections and specific insurance requirements, including flood and wind coverage in many areas. Lenders will usually look closely at insurance costs and title history before closing.
General information only, not legal advice. Rules change and every property is different.