Miami Bridge Lenders for Residential Investment Property

Are you seeking a bridge loan secured by residential property in the Miami metro area? On this page you'll find a list of select bridge lenders for Miami investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.
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Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
RBI Private Lending

Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.

$75,000 - $5,000,000
3 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Equity Lending Solutions LLC

Reliable Capital for Fix & Flip and Ground Up Construction Loans / Direct Private Lender

$90,000 - $5,000,000
12 to 16 months
9.99% - 11.00%
1.50% - 3.00%
Yieldi LLC

Direct Lender for Investment Properties - Bridge, Rehab, Construction

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
Crosby Capital USA

Fast Bridge Loans for Multifamily and Residential Investment Properties

$200,000 - $50,000,000
2 to 12 months
11.00% - 14.00%
1.00% - 3.00%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$100,000 - $3,000,000
12 to 60 months
10.00% - 13.00%
3.00% - 5.00%
Soviero Capital LLC

Asset-Based Hard Money Lender for All Types of Improved Real Estate (up to 65% LTV)

$250,000 - $2,500,000
12 to 36 months
13.00% - 15.00%
2.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Coastal Equity Group

Direct Private Lender for Real Estate Investors in the Southeast

$100,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%
Capital Funding Financial

Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates

$100,000 - $50,000,000
6 to 360 months
6.50% - 12.99%
1.50% - 3.00%

Florida Bridge Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for Florida bridge loans in the 2nd quarter of 2024 was 11.18%. The average loan amount was $403,582. These stats are the average of 901 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Florida between April 1, 2024 and June 30, 2024 by multiple bridge lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

Here is a breakdown of average interest rates in Florida’s metropolitan areas:

Southeast Florida
The average interest rate for bridge loans funded in the Southeast Region of Florida (Miami & Fort Lauderdale metro area) in the 2nd quarter of 2024 was 11.22%. The average loan amount was $583,239. Of the 244 total loans in the 3-month period, 122 were secured by properties in Miami-Dade County, 69 in Broward County, and 53 in Palm Beach County.

Southwest Florida
The average interest rate for bridge loans funded in the Southwest Region of Florida (Fort Myers, Cape Coral) in the 2nd quarter of 2024 was 11.06%. The average loan amount was $400,088. The averages are derived from 81 loans secured by properties in Lee County.

Central West Florida
The average interest rate for bridge loans funded in the Central West Region of Florida (Tampa Bay) in the 2nd quarter of 2024 was 11.23%. The average loan amount was $352,547. Of the 236 total loans in the 3-month period, 92 were secured by properties in Hillsborough County, 72 in Pinellas County, 21 in Charlotte County, 19 in Sarasota County, 18 in Pasco County, and 14 in Citrus County.

Central Florida
The average interest rate for bridge loans funded in the Central Region of Florida (Orlando) in the 2nd quarter of 2024 was 11.43%. The average loan amount was $281,400. Of the 114 total loans in the 3-month period, 46 were secured by properties in Orange County, 39 in Polk County, 16 in Lake Beach County, and 13 in Seminole County.

Central East Florida
The average interest rate for bridge loans funded in the Central East Region of Florida (Space Coast) in the 2nd quarter of 2024 was 11.44%. The average loan amount was $222,398. Of the 57 total loans in the 3-month period, 33 were secured by properties in Brevard County, 13 in St. Lucie County, and 11 in Volusia County.

Northeast Florida
The average interest rate for bridge loans funded in the North Region of Florida (Jacksonville) in the 2nd quarter of 2024 was 11.36%. The average loan amount was $358,041. Of the 79 total loans in the 3-month period, 47 were secured by properties in Duval County, 25 in Marion County, and 7 in St. Johns County.

Northwest Florida
The average interest rate for bridge loans funded in the Northwest Region of Florida (Panhandle) in the 2nd quarter of 2024 was 11.54%. The average loan amount was $219,824. Of the 24 total loans in the 3-month period, 13 were secured by properties in Escambia County, 7 in Bay County, and 4 in Leon County.

 

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According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in Florida in the 1st quarter of 2024 was 10.94%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for bridge loans in Florida was 65%, and the average loan amount was $381,820. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

5 Local Florida Bridge Loan Lenders

Here are the bridge lending firms on our platform that are “local” lenders, based in Florida…

  1. Soviero Capital | Jupiter, FL
    Soviero Capital is a small family lending company that offers bridge loans up to 3 years for many types of investment properties in Florida. They can be creative with deals, so long as the loan-to-value is no more than 65% and the loan amount is under $2.5MM. They are more of an asset-based lender and not too concerned about borrowers’ credit scores.
  2. Capital Funding Financial | Boca Raton, FL
    Capital Funding is a family office lending firm that can fund bridge loans which most other lenders cannot. Although they lend nationally, for deals in their home state of Florida, they can fund really fast and be more creative. Appraisals are not required for most of their Florida loans, for residential or commercial properties.
  3. Gelt Financial | Boca Raton, FL
    Gelt is one of the oldest bridge lenders in Florida, and one of the most creative. They lend on residential investment properties but primarily lend on commercial real estate in urban areas. They don’t mind borrowers with poor financials, so long as the property has enough equity for them to achieve a 65% loan-to-value or lower. Unlike most commercial real estate lenders, Gelt doesn’t mind small loan amounts as low as $100,000. We have had a relationship with Gelt since 2018 and have visited their office.
  4. Crosby Capital USA | Miami Beach, FL
    Crosby offers purchase and refinance bridge loans secured by residential and multifamily properties in urban areas throughout Florida. Their maximum loan-to-value is 60%, but they are mostly asset based and don’t shy away from challenging deals. They have done many foreclosure bailout loans. They like luxury rental homes but also lend on regular rental properties so long as the loan amount is over $200,000.
  5. Rok Lending | Aventura, FL
    Rok offers larger bridge loans, ranging from $3MM to $100MM, for luxury homes which are not owner-occupied. They also lend on large SFR rental portfolios. Their leverage can go up to 70% loan-to-value. This lending firm is operated by the Rok family, which has been a large real estate investor in Florida since the 1980’s.

Top 10 Florida Bridge Loan Lenders

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According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans originated in Florida from June 2023 to May 2024.

  1. Kiavi
  2. Equity Lending Solutions LLC
  3. American Heritage Lending LLC
  4. Lima One Capital LLC
  5. RBI Private Lending
  6. I Fund Cities
  7. RCN Capital LLC
  8. ROC Capital
  9. Upright
  10. Renovo Financial

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.

 

Select a Metro Area

Florida is an enormous state, and most bridge lenders are selective about where they lend. Filter your search by selecting a metro area:

Miami & Fort Lauderdale | Orlando | Tampa Bay | Jacksonville | Palm Beach County | Fort Myers | Tallahassee | Pensacola

 

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