Hard Money Loans Hialeah, Florida
Finance a Hialeah flip, bridge, or ground-up project on the deal — not your income. In Hialeah’s dense, high-volume market, small flips turn on tight margins and fast closings. Direct lender since 1998, funding in as few as 5 days.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Dense, high-volume small flips
- 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.
Hialeah 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: High-volume small flippers working tight margins
- 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 Hialeah
What is a hard money loan in Hialeah, Florida?
A Hialeah hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Hialeah runs on dense, high-volume small flips where tight lot spacing and thinner margins reward speed and disciplined ARV. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options, funding rehab on draws in as few as 5 days — then help you exit by sale or a DSCR refinance on the stabilized rent.
| 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 | Miami-Dade County, South Florida |
Eligible properties
Hialeah 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
Hialeah investors shop hard money on leverage, speed, and cost. Here is how our direct-lender terms compare with the national funds and brokers most Hialeah flippers get quoted.
Hialeah 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.
Hialeah market data
Hialeah 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 $500K |
| Typical flip margin | $35K-$70K gross |
| Avg days on market | About 45 days |
| Investor activity | Very high · small flips |
| Insurance (holding) | Elevated · South FL |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Hialeah neighborhoods
Where Hialeah flips & BRRRRs pencil
Representative 2026 figures across Hialeah and Miami-Dade, confirmed per deal by an as-is and ARV appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Hialeah Gardens | $400K-$600K | Dense small flips |
| West Hialeah | $380K-$550K | Tight-margin volume |
| Palm Springs North | $420K-$620K | Family resale |
| Miami Lakes edge | $450K-$700K | Value-add SFR |
| East Hialeah | $360K-$520K | 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
Hialeah 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 Hialeah 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 Hialeah hard money deal
A Hialeah Gardens project bought at $380,000 with a $55,000 rehab (ARV $520,000): applying the 75% ARV cap, we lend about $390,000; with 2 points (about $7,800) and about 9 months of interest at 9.49% (about $27,800), estimated cash to close is about $52,800. After about 7% selling costs, estimated net profit is about $13,000 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Hialeah 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
Hialeah hard money requirements
A Hialeah hard money file moves fast because we underwrite the asset, not your paystubs. These are the basics we need to size and close your Hialeah loan.
| 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
Hialeah hard money loan FAQ
Do tighter Hialeah margins still pencil for hard money?
Yes — disciplined ARV and fast closings make dense, high-volume small flips work even on thinner margins.
How fast can I close in Hialeah?
As few as 5 days, which matters in a market where inventory moves quickly.
Do you fund small single-family flips in Hialeah?
Yes — cosmetic and full rehabs across Hialeah and Hialeah Gardens, funded on the deal.
What down payment do I need in Hialeah?
Often about 5 percent of cost when the deal fits our 95% LTC and 75% ARV caps.
Do you offer a BRRRR loan program in Hialeah?
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 Hialeah 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 Hialeah?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Hialeah visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Related Hialeah & Florida investor loans
Beyond fix & flip
Hialeah investor loan programs: bridge, BRRRR, multifamily & more
A Hialeah 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 dense Miami-Dade workforce rental demand from East Hialeah to the Palm Springs area. Each is asset-based, funded on the deal, not your income.
Fix & flip bridge loans in Hialeah
Our core Hialeah 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 East Hialeah or the Palm Springs area 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 Hialeah 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 Hialeah neighborhoods like East Hialeah, the Palm Springs area and Hialeah Gardens-adjacent blocks. We underwrite both sides in-house. Explore the Hialeah DSCR refinance exit →
Multifamily & mixed-use bridge loans
From 2–4 units to 30–150 unit value-add and mixed-use assets in Hialeah, 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 Hialeah
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 Hialeah 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 Hialeah
Apply for your Hialeah 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.