HARD MONEY LENDER MIAMI GARDENS

Yes. Loan Goat funds investment property in Miami Gardens and across Miami-Dade 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 Miami Gardens files are underwritten on the property rather than on where the borrower banks.

Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Miami Gardens 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.

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 Miami-Dade County. Owner-occupied has its own program. If the Miami Gardens asset produces or will produce value, there is usually a structure for it.

The property and a credible plan, mostly. Loan Goat funds purchase and rehab on Miami Gardens houses with a bridge loan, then a DSCR rental loan takes it out once the unit is leased, which is the whole BRRRR cycle inside Miami-Dade County. No loan committee reviews it, and no prepayment penalty punishes the refinance.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.

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.

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.