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.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Alto Capital
Reliable Capital for Fix & Flip and Ground Up Construction Loans / Direct Private Lender
Altaloans
Creative Direct Private Lending for Florida Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Crosby Capital USA
Fast Bridge Loans for Multifamily and Residential Investment Properties
RBI Private Lending
Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Soviero Capital LLC
Asset-Based Hard Money Lender for All Types of Improved Real Estate (up to 65% LTV)
Center Street Lending
Smarter Loans for Residential Investors
Yieldi LLC
Direct, Reliable Lender for Investment Properties
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Stormfield Capital, LLC
Direct Balance-Sheet Lender for Investment Properties
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
IceCap Group
Flexible & Friendly Funding for Property Investors Across the Country
Capital Funding Financial
Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates
Florida Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Florida bridge loans in the 4th quarter of 2024 was 10.83%. The average loan amount was $528,001. These stats are the average of 786 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Florida between October 1, 2024 and December 31, 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 3rd quarter of 2024 was 10.96%. The average loan amount was $837,110. Of the 200 total loans in the 3-month period, 106 were secured by properties in Miami-Dade County, 51 in Broward County, and 43 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 3rd quarter of 2024 was 10.80%. The average loan amount was $364,390. The averages are derived from 90 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 3rd quarter of 2024 was 10.99%. The average loan amount was $315,474. Of the 224 total loans in the 3-month period, 59 were secured by properties in Hillsborough County, 52 in Pinellas County, 56 in Charlotte County, 32 in Sarasota County, 15 in Pasco County, and 10 in Citrus County.
Central Florida
The average interest rate for bridge loans funded in the Central Region of Florida (Orlando) in the 3rd quarter of 2024 was 11.33%. The average loan amount was $467,347. Of the 55 total loans in the 3-month period, 33 were secured by properties in Orange County and 22 in Polk County.
Central East Florida
The average interest rate for bridge loans funded in the Central East Region of Florida (Space Coast) in the 3rd quarter of 2024 was 11.06%. The average loan amount was $282,837. Of the 47 total loans in the 3-month period, 31 were secured by properties in Brevard County and 16 in Volusia County.
Northeast Florida
The average interest rate for bridge loans funded in the North Region of Florida (Jacksonville) in the 3rd quarter of 2024 was 11.54%. The average loan amount was $253,547. Of the 87 total loans in the 3-month period, 41 were secured by properties in Duval County and 46 in Marion County.
Northwest Florida
The average interest rate for bridge loans funded in the Northwest Region of Florida (Panhandle) in the 3rd quarter of 2024 was 11.83%. The average loan amount was $251,918. Of the 18 total loans in the 3-month period, 18 were secured by properties in Escambia County.
According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in Florida in the 4th quarter of 2024 was 11.12%. Lenders charged an average of 2.1% points (origination fee). The average LTV (loan-to-value) for bridge loans in Florida was 64%, and the average loan amount was $404,060. These stats are the average of all the loans which were funded between October 1, 2024 and December 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…
- 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. - 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. - 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. - 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. - 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
According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans* originated in Florida from July 2024 to September 2024.
- Kiavi funded 732 loans
- Alto Capital (Equity Lending Solutions LLC) funded 247 loans
- RBI Private Lending funded 217 loans
- Lendz Financial funded 172 loans
- American Heritage Lending LLC funded 166 loans
- Renovo Financial funded 141 loans
- Easy Street Capital funded 138 loans
- ROC Capital funded 127 loans
- Oaktree Funding Corporation funded 126 loans
- Lima One Capital LLC funded 124 loans
* The number of loans funded are approximate and includes long-term rental loans.
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
Florida Bridge Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of bridge loans secured by investment real estate in Florida which were funded by private lending companies from October 2023 to September 2024.
- Approximately $1,283,818,112 of bridge loans were funded in the 3rd quarter of 2024 for 2,550 borrowers.
- Approximately $1,300,588,878 of bridge loans were funded in the 2nd quarter of 2024 for 2,652 borrowers.
- Approximately $1,089,026,864 of bridge loans were funded in the 1st quarter of 2024 for 2,321 borrowers.
- Approximately $1,167,893,257 of bridge loans were funded in the 4th quarter of 2023 for 2,554 borrowers.
Below are the approximate bridge loan volume amounts for Florida’s metropolitan areas:
Cape Coral-Fort Myers, FL
- 2024 Q3: $31,107,785 for 80 borrowers
- 2024 Q2: $47,090,430 for 111 borrowers
- 2024 Q1: $47,902,820 for 91 borrowers
- 2023 Q4: $45,110,706 for 108 borrowers
Deltona-Daytona Beach-Ormond Beach, FL
- 2024 Q3: $28,305,071 for 97 borrowers
- 2024 Q2: $27,942,304 for 100 borrowers
- 2024 Q1: $21,511,139 for 92 borrowers
- 2023 Q4: $20,367,355 for 89 borrowers
Jacksonville, FL
- 2024 Q3: $70,194,329 for 249 borrowers
- 2024 Q2: $85,858,246 for 301 borrowers
- 2024 Q1: $63,390,577 for 226 borrowers
- 2023 Q4: $87,714,313 for 261 borrowers
Lakeland-Winter Haven, FL
- 2024 Q3: $31,172,565 for 99 borrowers
- 2024 Q2: $26,220,174 for 114 borrowers
- 2024 Q1: $23,679,193 for 100 borrowers
- 2023 Q4: $29,645,451 for 120 borrowers
Miami-Fort Lauderdale-West Palm Beach, FL
- 2024 Q3: $606,668,201 for 753 borrowers
- 2024 Q2: $566,277,565 for 736 borrowers
- 2024 Q1: $456,229,409 for 656 borrowers
- 2023 Q4: $478,851,058 for 745 borrowers
North Port-Bradenton-Sarasota, FL
- 2024 Q3: $47,626,692 for 107 borrowers
- 2024 Q2: $66,251,492 for 116 borrowers
- 2024 Q1: $39,594,680 for 101 borrowers
- 2023 Q4: $43,560,743 for 101 borrowers
Orlando-Kissimmee-Sanford, FL
- 2024 Q3: $103,962,819 for 269 borrowers
- 2024 Q2: $114,198,029 for 304 borrowers
- 2024 Q1: $93,372,180 for 227 borrowers
- 2023 Q4: $99,964,203 for 252 borrowers
Palm Bay-Melbourne-Titusville, FL
- 2024 Q3: $25,317,514 for 86 borrowers
- 2024 Q2: $21,111,661 for 78 borrowers
- 2024 Q1: $26,046,327 for 84 borrowers
- 2023 Q4: $30,757,477 for 96 borrowers
Tampa-St. Petersburg-Clearwater, FL
- 2024 Q3: $209,356,295 for 535 borrowers
- 2024 Q2: $206,094,870 for 514 borrowers
- 2024 Q1: $199,190,198 for 492 borrowers
- 2023 Q4: $173,939,206 for 487 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Funded Residential Property Bridge Loans in Miami
Purchase Bridge Loan for Newly Built Luxury Condo in Edgewater, Miami
$2,050,000
Sherpa Capital Group, a direct private lending firm based in Chicago, funded a $2,050,000 1st lien position bridge loan for the acquisition of a luxury condominium in the Edgewater neighborhood of Miami, near the Design District and Wynwood. We funded 64% of the $3,200,000 purchase price, while the Borrower contributed 36% cash at closing. The Borrowers are two private equity individual investors who signed a pre-construction contract 2-3 years before the building’s completion, and there were numerous construction delays. Their traditional lender was not able to provide financing in a timely manner. They had requested several extensions from the seller and were at risk of losing a significant non-refundable deposit from the pre-construction contract. Sherpa Capital Group was able to provide financing to the investors and close within 5 business days of the executed term sheet. They plan to sell the property as prices have gone up significantly in that market. If for some reason, they don’t sell, plan B would be to rent and refinance. The Borrower had excellent credit. The condo unit is approximately 3,000 square feet, located on one of the higher floors in the building. The interest rate was 15%, and the loan term was set at 6 months. This purchase bridge loan was funded in August 2023.
