Hard Money Loans Delray Beach, Florida
Finance a Delray Beach flip, bridge, or ground-up project on the deal — not your income. Grab a walkable cottage near Atlantic Avenue or a coastal rebuild and close before the downtown crowd bids it up.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Trendy downtown flips a walk from Atlantic Avenue and the ocean.
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Delray Beach Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Downtown cottage flips and coastal rebuilds
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Delray Beach
What is a hard money loan in Delray Beach, Florida?
A Delray Beach hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Demand near Atlantic Avenue and the beach moves fast, so we underwrite the renovated value and plan for coastal insurance on the barrier-island streets. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options so you can hold or flip.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Palm Beach County |
Eligible properties
Delray Beach hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
Before you sign with a national fund, see how a direct Delray Beach lender stacks up — we win on leverage and speed, and we underwrite your Delray Beach deal in-house instead of shopping it out.
Delray Beach investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Delray Beach market data
Delray Beach fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | about $525,000 |
| Typical flip margin | 19-25% of ARV |
| Avg days on market | about 45 days |
| Investor activity | High — downtown flips |
| Insurance (holding) | Elevated — coastal wind |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Delray Beach neighborhoods
Where Delray Beach flips & BRRRRs pencil
Delray value spans historic downtown homes, beachside estates, and solid inland neighborhoods.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Lake Ida | $500k-$900k | Larger lots for pool-home renovations |
| Osceola Park | $400k-$650k | Historic cottages near Atlantic Ave |
| Beachside | $900k-$3M | Coastal rebuilds with premium ARV |
| Tropic Isle | $700k-$1.8M | Canal-front homes with dock upside |
| Del-Aire | $450k-$750k | Golf-community cosmetic flips |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Delray Beach fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Delray Beach hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Worked example
A real Delray Beach hard money deal
A Lake Ida project bought at $525,000 with a $105,000 rehab (ARV $760,000): applying the 75% ARV cap, we lend about $570,000; with 2 points (about $11,400) and about 9 months of interest at 9.49% (about $40,600), estimated cash to close is about $71,400. After about 7% selling costs, estimated net profit is about $24,800 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Delray Beach hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Short-term rental (STR) loans | Acquire or reposition Airbnb / vacation rentals; bridge to a DSCR STR exit |
| Commercial | Office, retail, industrial & special-purpose; value-add & stabilize |
| Mixed-use | Ground-floor retail + residential; reposition & lease-up |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Delray Beach hard money requirements
Here is what it takes to get funded in Delray Beach: light documentation, deal-first underwriting, and flexible vesting. The full requirements follow.
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Delray Beach hard money loan FAQ
Why is Delray Beach good for flips?
The Atlantic Avenue district drives steady buyer demand, so well-renovated cottages and pool homes tend to sell quickly at strong ARVs.
Do you lend on beachside Delray rebuilds?
Yes. We fund coastal rebuilds and account for wind insurance and permitting on the barrier-island streets.
How much of my purchase can you finance?
Up to 90% of purchase and 100% of rehab, capped by loan-to-cost and ARV, so you keep more cash in reserve.
Can you close before a competing buyer?
Yes. We fund in as few as 5 days, which is often the edge that wins an off-market Delray deal.
Do you offer a BRRRR loan program in Delray Beach?
Yes. We fund the hard money bridge to buy and rehab, then refinance you into a 30–40 year DSCR rental loan on the stabilized rent — no tax returns, qualified on the property's cash flow. Both sides are underwritten in-house.
Can you bridge a Delray Beach multifamily or mixed-use deal?
Yes — from 2–4 units to 30–150 unit value-add and mixed-use. Up to 95% of cost on the reposition, interest-only with rehab draws, then refinance to permanent.
Do you fund short-term / vacation rental rehabs in Delray Beach?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Delray Beach visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Related Delray Beach & Florida investor loans
Beyond fix & flip
Delray Beach investor loan programs: bridge, BRRRR, multifamily & more
A Delray Beach hard money loan is only the entry point. As a direct lender we structure the whole deal — the fast bridge in, the rehab draws, and the long-term exit — across every program below, funded on downtown Atlantic Avenue and coastal demand from Atlantic Avenue downtown to Pineapple Grove. Each is asset-based, funded on the deal, not your income.
Fix & flip bridge loans in Delray Beach
Our core Delray Beach flip program funds up to 95% of cost — 90% of purchase plus 100% of rehab on draws, capped at 75% of ARV — so you can buy, renovate and resell in Atlantic Avenue downtown or Pineapple Grove with minimal cash in the deal. Interest-only, close in as few as 5 days, no tax returns. See the full fix & flip loan program →
The Delray Beach BRRRR loan program (buy, rehab, rent, refinance, repeat)
BRRRR investors use our hard money bridge to acquire and rehab, then refinance into a 30–40 year DSCR rental loan on the stabilized rent — no W-2s, qualified on the property's cash flow. It is the fastest way to recycle capital across Delray Beach neighborhoods like Atlantic Avenue downtown, Pineapple Grove and Lake Ida. We underwrite both sides in-house. Explore the Delray Beach DSCR refinance exit →
Multifamily & mixed-use bridge loans
From 2–4 units to 30–150 unit value-add and mixed-use assets in Delray Beach, we bridge multifamily and commercial deals on the asset — reposition, lease-up and stabilize, then refinance to permanent. Up to 95% LTC on the reposition, interest-only, with rehab draws. See multifamily & mixed-use loan options →
Ground-up construction in Delray Beach
For builders and developers we fund land plus vertical construction on a draw schedule — infill single-family, townhomes and small multifamily. See construction loan options →
Bridge & vacation-rental (STR) rehab loans
Close before you sell, buy at auction, or reposition a short-term rental for the Delray Beach visitor market. Our bridge and STR-rehab programs fund fast on the asset and exit by sale or a DSCR refinance that qualifies on short-term-rental income. Bridge loans → · Vacation rental rehab loans →
| Program | Best for | Structure |
|---|---|---|
| Fix & flip bridge | Buy–rehab–resell | Up to 95% LTC · 90% purchase · 100% rehab · 75% ARV |
| BRRRR (bridge + DSCR) | Buy–rehab–rent–refi | Hard money in, 30–40 yr DSCR out on the rent |
| Multifamily / mixed-use bridge | 2–150 unit value-add | Up to 95% LTC reposition, then refinance to permanent |
| Ground-up construction | Builders & developers | Land + vertical on draws |
| Bridge / STR rehab | Fast close, auction, short-term rental | Asset-based, exit by sale or DSCR |
Get funded in Delray Beach
Apply for your Delray Beach hard money loan
Start your application on the right — no tax returns, same-day term sheet, and funding in as few as 5 days. Prefer to talk it through? Call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and selling costs. This page is informational and does not constitute financial, legal, tax, or investment advice.