Hard Money Lenders in Miami
Miami’s real estate market moves fast — and investors who rely on traditional bank financing often miss opportunities. That’s where hard money lenders come in. At AFI Private Lenders, we provide Miami investors with quick access to capital for fix-and-flip, bridge, and rental rehab projects so they can act fast in one of Florida’s most competitive markets.
Why Investors in Miami Choose Hard Money Loans
Hard money loans are short-term, asset-based loans designed for real estate investors who need speed, flexibility, and simplicity.
With AFI Private Lenders, you can:
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Close in days, not months – no long underwriting delays.
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Borrow based on property value, not personal income.
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Leverage equity in your existing properties for new deals.
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Finance flips, rehabs, and acquisitions across Miami-Dade County.
Whether you’re buying a distressed property in Little Havana, rehabbing a duplex in Wynwood, or bridging equity for a project in Coral Gables, our team knows the Miami market inside and out.
Types of Hard Money Loans in Miami
We structure loans for nearly every investment strategy:
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Fix-and-Flip Loans – Short-term financing for purchase + rehab
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Bridge Loans – Quick funding to bridge between property sales
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Rental Property Loans – Long-term private loans for stabilized rentals
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Construction Loans – For ground-up or major renovation projects
Loan amounts typically range from $100,000 to $5 million, with LTVs up to 70% and funding in as little as 7 days.
The Miami Real Estate Landscape in 2025
Miami continues to attract investors nationwide thanks to:
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Strong population growth and job migration
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Booming short-term rental markets (Airbnb, VRBO)
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Active redevelopment in neighborhoods like Allapattah and Edgewater
For investors, that means constant demand for short-term capital to compete in cash-heavy markets — and that’s where hard money shines.
Working with AFI Private Lenders
At AFI, we’re not just lenders — we’re partners in your investment journey. Every loan is underwritten in-house by experts familiar with Miami-Dade property values, zoning, and investor trends.
Our process:
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Receive terms within 24 hours
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Close in under a week
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Fund your next deal fast
We believe in clear communication, fair pricing, and transparency from start to finish.