Miami, Florida — Miami-Dade County
Private Real Estate Loans for Miami Investors
Fast, flexible private capital for fix-and-flip, construction, bridge, and rental deals across the South Florida / Miami-Dade market.
Close in
<5 days
Up to
85% LTC
Loans up to
$20M
Rates from
9.25%
Min FICO
620
$22
B+
Loan volume funded nationally
37K
+
Loans funded since 1998
85
%
Repeat borrower rate
Market Overview
Miami
Real Estate 2026
$642K
Median home price (2026)
+8.4%
YoY price appreciation
6.2M
Metro population
Why
Miami
America's Most Capital-Attractive Real Estate Investment Market
A decade of net migration from high-tax states, a surging international buyer pool, and zero state income tax have made Miami one of the most capital-attractive cities on earth. Neighborhoods like Wynwood, Little Haiti, and Allapattah are in generational transformation - investors who move fast capture outsized returns. South Florida's chronic 3.2-month supply shortage keeps fix-and-flip margins high.
International Capital Magnet
Miami attracts investors from Latin America, Europe, and beyond - creating a high-velocity resale market.
Neighborhood Transformation
Wynwood, Allapattah, and Little Haiti are in rapid transition - early investors are seeing 30-50% ARV uplifts.
Chronic Supply Shortage
Only 3.2 months of supply keeps Miami prices resilient and renovation returns high as rates fluctuate.
Loan Programs
Financing Built for Miami Investors
From Wynwood gut-renovations to ground-up townhomes in Doral - Anchor has the right capital structure for your Miami project.
Fix & Flip
Acquire and renovate Miami properties quickly. Ideal for investors targeting Miami's highest-velocity renovation neighborhoods with strong ARV upside.
Property Type
SFR · 1–4 Units
Loan-to-Cost
Up to 85%
Term
12–18 Months
Max Loan
Up to $20M
Rate
9.25% – 12.25%
Ground-Up Construction
Build new single-family homes or small subdivisions in Miami's fastest-growing corridors. Flexible draw schedules keep your project on schedule.
Property Type
SFR · Townhome
Loan-to-Cost
Up to 85%
Term
12–18 Months
Max Loan
Up to $20M
Rate
9.25% – 12.25%
Bridge
Seize time-sensitive Miami acquisitions, recapitalize finished assets, or bridge to permanent financing while stabilizing your next deal.
Use Case
Acquisition · Recap
Loan-to-Cost
Up to 85%
Term
12–18 Months
Max Loan
Up to $20M
Rate
9.25% – 12.25%
Rental Portfolio (DSCR)
Scale your Miami rental portfolio with cash-flow-based lending. No W-2 required - qualify on the property's income. Ideal for buy-and-hold investors.
Property Type
SFR · Multi-Family
Qualification
Cash Flow Based
Term
30-Year Option
Max Loan
Up to $20M
Rate
Market-Based
Land Acquisition & Development
Fund entitlement and horizontal development to deliver lots for Miami's undersupplied new home pipeline. A&D and land banking strategies supported.
Property Type
Raw · Entitled Land
Use
A&D · Land Bank
Term
Flexible
Max Loan
Up to $20M+
Rate
Quoted Per Deal
Multi-Family Value-Add
Reposition Miami apartment buildings in high-demand submarkets. From duplex acquisitions to 8-unit repositioning plays - fund value-add at the speed you need.
Property Type
5+ Units
Loan-to-Cost
Up to 80%
Term
12–24 Months
Max Loan
Up to $20M
Rate
9.25% – 12.25%
The Anchor Advantage
Why Miami Investors Choose Anchor
In the most competitive real estate market in the Southeast, speed and reliability aren't perks - they're requirements. Anchor delivers both.
01
Close in Days, Not Months
Miami deals disappear in hours. Our direct lending model delivers closings in as few as 5 business days - so you win before the competition gets a term sheet.
02
No Income Verification
We lend on the deal's strength, not your tax returns. Self-employed? Foreign national investor? Multiple LLCs? Anchor can work with your structure.
03
Dedicated Miami Loan Team
Work with specialists who understand Miami-Dade permitting, Broward county nuances, flood zone considerations, and the local comps that drive your deal.
04
Fast Draw Turnarounds
Speedy draw disbursements keep your Miami project on schedule and your contractors paid. No delays that kill momentum on time-sensitive renovation projects.
05
Scale With Your Success
85% of Anchor borrowers come back for their next deal. As your Miami portfolio grows, so does your credit line and borrowing power. We scale with you.
06
Direct Lender - No Middlemen
Anchor is the lender, not a broker. Faster decisions, transparent pricing, and no third-party fees buried in your term sheet. What you see is what you get.
Simple Process
Fund Your Miami Deal in 4 Steps
We've streamlined everything so you spend less time on paperwork and more time closing deals in South Florida's fastest-moving markets.
Submit Your Deal
Complete our quick intake form with the Miami property address, purchase price, rehab budget, and estimated ARV. Under 5 minutes to complete.
Receive a Custom Quote
Your dedicated Miami loan officer reviews your deal and sends a full term sheet in 24-48 hours. No hidden fees - fully transparent from day one.
Underwriting & Appraisal
We order a fast appraisal and work through underwriting proactively. Expect real communication from a real person, not a ticket queue.
Fund & Close
Sign your docs and receive funding - often within 5 business days. Your Miami deal is closed and renovation can begin the same week.
Qualifications
What You Need to Get Approved
Our approval criteria are straightforward and designed with the experienced Miami investor in mind:
Investor Experience
Easy pre-approval for investors with 3+ successful flips in the past 12 months. Lifetime experience across all markets is also considered for Miami deals.
Project Details
Provide purchase price, rehab budget, scope of work, and estimated after-repair value. We return a custom Miami quote within 24-48 hours.
Down Payment
Down payment requirements vary by investor experience and property profile. We work with you to structure the deal that maximizes your Miami return.
Credit Score (FICO)
Minimum 620 required. Better credit opens lower rates and more flexible structuring. A strong FICO can meaningfully improve your Miami deal economics.
Check Your Miami Deal Eligibility
Use our free screener to find out if your South Florida project qualifies - in minutes, with no commitment required.
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Instant eligibility feedback
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No hard credit pull
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All Miami loan programs covered
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Takes under 3 minutes
→
Speak to a loan officer immediately
Miami, FL · South Florida
Your Next Miami Deal Starts Here
Join thousands of investors and builders who trust Anchor Loans to fund their South Florida vision - fast, flexible, and with zero surprises.