Hard Money Lenders in Miami
Fast, asset-based financing for real estate investors — qualify on the property, not your tax returns, and close fast with a direct lender.
- Up to 90% Purchase + 100% Rehab
- No Minimum Credit Score
- Close Fast
- Direct Lender Since 2016
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
This page was written and reviewed by Ndukwe Kalu, who works on hard money loans at Tidal Loans daily. Terms are checked against our current underwriting guidelines; last reviewed October 2026.
Miami is one of the most competitive real estate markets in the country — high values, intense investor demand, and a deep mix of condos, single-family flips, and short-term rentals across South Florida. In a market this fast, the investor who can fund quickly wins the deal. As hard money lenders in Miami, Tidal Loans funds investors with our own capital, underwriting the property rather than your income, so you can close fast and compete with cash buyers. We’ve financed Florida investors as a direct lender since 2016.
A hard money loan is short-term, asset-based financing secured by the property itself. Instead of focusing on your credit score, we focus on the property’s value and its after-repair value. For Miami investors flipping homes, repositioning condos, or building a rental portfolio, that asset-based approach is what lets us move fast.
What Is a Hard Money Loan in Miami?
Hard money is asset-based financing secured by the investment property rather than your income. We look at what the property is worth today and what it will be worth after repairs, then lend against that. No tax returns, no debt-to-income ceiling, and you can close in an LLC.
Our financing is built for Miami’s fast, high-value market. We fund up to 90% of the purchase price and 100% of the rehab cost on qualifying deals, with CLTV structures, available upon exception, that let a seller or second-position lender carry the remaining equity. As one of the more active private money lenders in Miami, we routinely fund borrowers a bank won’t, and because we underwrite the asset and close fast, our financing lets you present as a serious, cash-competitive buyer. Our full direct-lender model is on our hard money loan hub, and our statewide program lives on our Florida hard money lending page.
To be clear on credit: we’re a property-first lender. We do review credit, but a blemish that would sink a bank application often won’t stop a deal here.
Where We Lend in Greater Miami
We fund deals across Miami-Dade and South Florida — from Miami Beach, Brickell, and Wynwood to Coral Gables, Doral, Hialeah, Little Havana, North Miami, and out into Fort Lauderdale and the surrounding metro. Whether it’s a single-family flip, a condo, or a small multifamily building, if the deal works, we can fund it fast.
Which Loan Program Fits Your Miami Deal?
It depends on the exit. Flipping or renovating points to a short-term fix and flip loan; holding for rent points to a DSCR loan qualified on the property’s income; building from dirt points to ground-up construction. All are investment-property only, from $75,000 to $5,000,000.
Most Miami investors use us for more than one product. Fix and flip loans fund the purchase and rehab of a property you’ll renovate and sell — see our Florida fix and flip financing. Rental and DSCR loans qualify on the property’s rent rather than your personal income, detailed on our Florida DSCR loan program. And because Miami is one of the strongest short-term rental markets in the country, our Airbnb financing lets you qualify a vacation rental on its projected nightly income — see our Florida Airbnb financing. You can also pull equity from a stabilized property to fund the next deal through a cash-out refinance.
BRRRR & Short-Term Rentals in Miami
Miami works for both BRRRR and short-term rentals. For BRRRR, we fund the purchase and rehab, you place a tenant, then refinance into a DSCR loan to pull your capital back out. For STRs in Miami Beach, Brickell and nearby areas, our DSCR-based Airbnb financing qualifies the property on projected nightly income, up to 75% LTV.
Miami works for both the BRRRR strategy and short-term rentals. On the BRRRR side, we fund the purchase and rehab, you stabilize the property with a tenant, then refinance into a long-term DSCR loan and pull your capital back out to do it again. On the STR side, Miami Beach, Brickell, and the surrounding areas command strong nightly rates, and our DSCR-based Airbnb financing qualifies the property on that projected income rather than a long-term lease. Either way, we structure the financing around how the property actually earns.
Why Miami Investors Choose Tidal Loans
Tidal Loans is a direct lender that’s financed Florida investors since 2016. We lend our own capital, underwrite the property rather than your income, and move quickly — which is exactly what Miami’s fast, high-value, cash-competitive market demands. We finance first-time flippers and seasoned investors alike across South Florida’s condos, single-family flips, and short-term rentals.
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Frequently Asked Questions
Yes. Condos are a huge part of the Miami market, and we finance them — including many non-warrantable condos that conventional lenders won’t touch because of HOA finances or rental ratios, typically with a slight loan-to-value adjustment. Because we underwrite the asset and the deal rather than fitting a conventional box, we can fund condo investments that banks turn down.
There’s no hard cutoff, because the property carries most of the underwriting weight. We do review credit, and a stronger score can improve your terms, but a blemish that would stop a Miami bank often won’t stop a hard money deal. We focus on the property’s value and your investment plan, which is why investors with credit challenges or several existing loans still get funded.
Much faster than a bank. We close fast, and can close in days when the deal requires it. Because we underwrite the property instead of your income, there’s far less paperwork, no tax returns to dig up, and no lengthy committee process. In Miami’s cash-competitive market, that speed is frequently what wins the deal over a slower-funded buyer.
Yes. Miami is one of the strongest short-term rental markets in the country, and we finance Airbnb and vacation rentals using the property’s projected short-term income rather than your personal income. We do confirm the property can legally operate as a short-term rental, since rules vary across Miami-Dade — but for a well-located rental, the strong nightly income often makes the deal qualify easily.
Ready to fund your Miami deal?
Get a fast quote from a direct lender — or call and walk it through with us.