© WHERE WE LEND FORT LAUDERDALE · FL
HARD MONEY LENDER FORT LAUDERDALE
Hard money for Fort Lauderdale and Broward County: written terms first, wire in five to seven days.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Fort Lauderdale is the center of Broward County deal flow, and its pockets behave differently: Victoria Park and Flagler Village near downtown, Rio Vista and Las Olas on the water, the older rental blocks of Progresso and Sunrise inland. Capital chases the yacht economy, the beach, and a downtown that keeps adding residents.
Every program on this site is available on Fort Lauderdale property and across Broward County. Investors who also buy in Hollywood, Pompano Beach and Pembroke Pines run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
The desk is in San Diego, the capital is in house and the decision is made by one person. That is why a Fort Lauderdale file can go from a phone call to written terms the same day and to a wire in five to seven days. There is no branch to visit and no committee sitting between the deal and the money.
© THE COST FORT LAUDERDALE · FL
WHAT DO FORT LAUDERDALE HARD MONEY LOANS COST
There is no Fort Lauderdale rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A Fort Lauderdale file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those are the published ranges, not a teaser. Where a Fort Lauderdale deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT FORT LAUDERDALE · FL
WHY LOAN GOAT IN FORT LAUDERDALE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Most Fort Lauderdale investors arrive here after a bank fell through late. What they get instead is a lender with its own money, minimal documentation, no loan committee and no prepayment penalty. 1.3K+ closed loans since 2022 is the reason the timeline holds.
Waterfront single-family on finger canals, 1950s and 60s CBS ranches inland, small two-story rental courts of the same vintage, and newer downtown condo towers with a wide mix of unit sizes. All of it is financeable, purchase, refinance or cash-out.
Canal-front renovation for resale, short-term rental where zoning permits it, and unit-level condo flips downtown all run here. Older rental courts near the FEC line reward a real repositioning budget. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
FORT LAUDERDALE DEALS, FUNDED FROM SAN DIEGO.
Broward County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS FORT LAUDERDALE · FL
MOST COMMON FORT LAUDERDALE LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Fort Lauderdale replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Broward County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Fort Lauderdale property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Fort Lauderdale investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Fort Lauderdale foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Fort Lauderdale file here.
- NON-WARRANTABLE CONDOS Condos in Fort Lauderdale that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Fort Lauderdale investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Fort Lauderdale, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Fort Lauderdale offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN FORT LAUDERDALE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES FORT LAUDERDALE · FL
PROPERTY TYPES WE FINANCE IN FORT LAUDERDALE
- INDUSTRIAL & WAREHOUSE Industrial and last-mile logistics property in Broward County on bridge terms.
- MANUFACTURED HOMES Manufactured housing and park acquisitions in the Fort Lauderdale market.
- ASSISTED LIVING Assisted living and residential care facilities in Fort Lauderdale, purchase or refinance.
- AGRICULTURAL Working farmland in Broward County financed where a bank will not.
- CANNABIS Broward County cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the Fort Lauderdale market.
© THE APPROACH FORT LAUDERDALE · FL
HOW WE LEND IN FORT LAUDERDALE
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Fort Lauderdale borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
FORT LAUDERDALE BORROWERS, IN THEIR WORDS
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I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS FORT LAUDERDALE · FL
FORT LAUDERDALE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Fort Lauderdale and across Broward County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Fort Lauderdale files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Fort Lauderdale deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Broward County. Owner-occupied has its own program. If the Fort Lauderdale asset produces or will produce value, there is usually a structure for it.
Property types -
A bridge loan is usually the answer, because a waterfront renovation in Fort Lauderdale rarely fits a bank timeline. Loan Goat lends up to 75% LTV on bridge, closes in five to seven days, and underwrites the Broward County property and your exit instead of your paperwork. Sell early and no prepayment penalty applies.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND FORT LAUDERDALE · FL
FORT LAUDERDALE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE FORT LAUDERDALE · FL
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(619) 617-2797
