Miami, FL · Fix & Flip Loans
Fix & Flip Loans in Miami
Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
Why Miami investors choose 818
Miami-Dade investor activity spans luxury STR in Brickell and Miami Beach, 2–4 unit rentals in Little Havana and Liberty City, and condo cash-flow plays across Aventura and Doral. Insurance and HOA-assessment costs have reshaped DSCR underwriting — national lenders are mispricing deals.
Our edge here: We underwrite with post-Surfside condo assessment reality built in. Miami STR deals underwritten on AirDNA, not guesswork.
Fix & Flip Loans: Miami terms
Term
6–18 month terms, interest-only
Leverage
Up to 90% LTC, 75% ARV
Credit minimum
660
Close time
10–21 days
Qualification
ARV and scope-of-work; liquidity ≥ 10% of loan
Ideal for
Active flippers running 1–10 projects a year, new flippers with one successful deal under their belt, investors rehabbing to refi into a DSCR (we pre-approve the exit), and BRRRR investors stacking flips into rentals.
Common questions — Miami fix & flip loans
Does 818 Capital offer fix & flip loans in Miami?
Yes. 818 Capital Partners arranges Fix & Flip Loans for investor properties throughout Miami and the greater Miami-Dade County market. Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
What are typical fix & flip loan terms in Miami?
6–18 month terms, interest-only. Up to 90% LTC, 75% ARV. Minimum credit score 660. Typical close time: 10–21 days. Qualification: ARV and scope-of-work; liquidity ≥ 10% of loan.
What Miami neighborhoods do you lend in?
We actively finance fix & flip loans across Brickell, Miami Beach, Little Havana, Liberty City, Aventura, and other submarkets of Miami-Dade County.
How fast can 818 Capital close a fix & flip loan in Miami?
Our typical close time for a Fix & Flip Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Miami
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Fix & Flip Loans in other markets
Ready to close your Miami deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.