© WHERE WE LEND PEMBROKE PINES · FL
HARD MONEY LENDER PEMBROKE PINES
Bridge, fix and flip, construction and rental money for Pembroke Pines and the rest of Broward County.
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
Pembroke Pines runs west from Fort Lauderdale along Pines Boulevard until the Everglades conservation line stops it cold. Deal flow sits in the master-planned interior, Chapel Trail, Silver Lakes and Pembroke Falls, plus the older eastern end near Hollywood. Investors like it for family tenant demand in Broward County and a housing supply that cannot expand westward.
Investment property in Pembroke Pines qualifies under every program listed here, and so does property in Miramar, Miami Gardens and Hollywood. Broward County is one line on a term sheet, not a separate approval process.
A Pembroke Pines investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside five to seven days.
© THE COST PEMBROKE PINES · FL
WHAT DO PEMBROKE PINES HARD MONEY LOANS COST
What a Pembroke Pines hard money loan costs comes down to four things: the leverage, the property, the exit and how much documentation you want to hand over. Bridge money runs from 9.00% to 13.00%, with leverage up to 75% on residential and 70% on commercial, on one or two year terms.
Terms arrive in writing first. That is deliberate: a Pembroke Pines borrower should be able to underwrite the lender before spending a dollar on third-party reports. Bridge loans carry no prepayment penalty, so paying off early costs nothing but the days you used.
| 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.
The ranges above are what is actually available. Send the Pembroke Pines address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT PEMBROKE PINES · FL
WHY LOAN GOAT IN PEMBROKE PINES
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
The reason investors move a Pembroke Pines file to a private lender is time. A bank takes thirty to sixty days and asks for two years of returns. This desk takes five to seven days and asks for the address, the price and the plan. In a market where the seller has other offers, that is the whole deal.
Late-century single-family inside gated and HOA subdivisions, zero-lot-line and townhome rows, a band of 1960s and 70s ranches at the eastern edge, and low-rise condo associations along the main corridors. Every one of those property types is on the eligible list.
Buy-and-hold single-family and townhomes leased to long-term family tenants dominate. Cosmetic rehab and resale works through the older east side, and condo units near the corridors trade as entry-level rentals. Whichever of those plays is on the table, there is a program written for it.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
PEMBROKE PINES 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 PEMBROKE PINES · FL
MOST COMMON PEMBROKE PINES LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Pembroke Pines 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 Pembroke Pines property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Pembroke Pines investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Pembroke Pines 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 Pembroke Pines file here.
- NON-WARRANTABLE CONDOS Condos in Pembroke Pines that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Pembroke Pines investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Pembroke Pines, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Pembroke Pines offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN PEMBROKE PINES
- 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 PEMBROKE PINES · FL
PROPERTY TYPES WE FINANCE IN PEMBROKE PINES
- MULTI-FAMILY Duplexes through apartment buildings across Pembroke Pines on bridge, DSCR and commercial programs.
- RETAIL Pembroke Pines retail purchase, refinance and cash-out on the bridge program.
- OFFICE Medical and small office buildings in Pembroke Pines, including cash-out to fund a renovation.
- 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 Pembroke Pines market.
© THE APPROACH PEMBROKE PINES · FL
HOW WE LEND IN PEMBROKE PINES
Read the table as a promise rather than a pitch. On a Pembroke Pines deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
PEMBROKE PINES 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 PEMBROKE PINES · FL
PEMBROKE PINES 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 Pembroke Pines 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 Pembroke Pines 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 Pembroke Pines 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 Pembroke Pines asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, HOA and gated subdivision property in Pembroke Pines is routine collateral. Loan Goat funds bridge and DSCR rental loans on Broward County homes, townhomes and condos, underwriting the asset rather than your personal file. Documentation stays light, closings run five to seven days, and refinancing into long-term debt later costs you no prepayment penalty.
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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.
How funding works -
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.
All loan programs -
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 PEMBROKE PINES · FL
PEMBROKE PINES, 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 PEMBROKE PINES · FL
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