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Hard Money Loans in Miami-Dade County

We are a direct lender based in Coral Gables, lending on residential investment property across Miami-Dade.

Cities we lend in

Lending in Miami-Dade County

Miami-Dade is the one Florida county that charges 60 cents per $100 on the deed rather than 70, plus a 45-cent surtax — and that surtax is not due on the transfer of a single-family dwelling. Documentary stamp tax on the mortgage itself is 35 cents per $100 here as everywhere in the state.

If the collateral is a condominium of three habitable stories or more, Florida's milestone inspection law applies at 30 years — 25 if the building sits within three miles of the coast — and every ten years after. An inspection due, or a structural reserve study outstanding, changes what the asset is worth and what an exit looks like. We would rather know at application than at closing.

The Miami-Dade market

Cash paid for 35.1% of all Miami-Dade closings in July 2026 — 47.5% of condo sales and 21.2% of single-family.MIAMI REALTORS, July 2026 data · source

The median single-family sale price was $685,000, up 3.79% on the year from $660,000.MIAMI REALTORS, July 2026 data · source

Single-family inventory fell 22.82% year over year to 4,275 active listings — 4.8 months of supply.MIAMI REALTORS, July 2026 data · source

A single-family home took a median 45 days to go under contract and 88 days to close.MIAMI REALTORS, July 2026 data · source

2,666 single-family units were authorized by building permit in Miami-Dade during 2025, up from 2,231 in 2024.US Census Building Permits Survey, calendar year 2025 · source

Florida market reading

What we lend on

First-lien loans from $100,000 to $3,500,000 on residential investment property in Miami-Dade County — single family, condo, townhouse and multi-family. Up to 75% of value, twelve months, interest-only.

We are a direct, balance-sheet lender. We underwrite, fund and service our own loans, so the decision is ours and it turns on the property and the sponsor’s public record — not on a credit report, tax returns or an outside appraisal.

Indicative terms — every program
Loan amount$100K – $3.5M
Max loan-to-valueUp to 75%
Term12 months (up to 24)
StructureInterest-only
PaymentsMonthly
CollateralResidential, non-owner-occupied
LienFirst lien only

Terms are indicative; the current sheet is always the rates page.

Start your application   Talk to us first

Nearby: Southeast Florida

SFR Capital LLC (SFR) is a private lender, license exempt under Fla. Stat. § 494.00115. SFR only makes business purpose mortgage loans on non-owner occupied Florida investment property. Nothing here is an offer or commitment to lend. All loans are subject to SFR approval of the sponsor, property collateral, title and documentation.