Finance a Miramar flip, bridge, or ground-up project on the deal — not your income. Miramar’s newer housing stock keeps cosmetic flips and rental holds moving across west Broward. Direct lender since 1998, funding in as few as 5 days.
Hard Money in Miramar
A Miramar hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Miramar is a fast-growing Broward city where newer single-family stock supports clean cosmetic flips and rental holds from Silver Lakes to Riviera Isles. 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 | Broward County, South Florida |
Eligible properties
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
Before you sign with a national fund, see how a direct Miramar lender stacks up — we win on leverage and speed, and we underwrite your Miramar deal in-house instead of shopping it out.
Miramar 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.
Miramar market data
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | About $570K |
| Typical flip margin | $60K-$120K gross |
| Avg days on market | About 42 days |
| Investor activity | Steady · newer stock |
| Insurance (holding) | Elevated · South FL |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Miramar neighborhoods
Representative 2026 figures across southwest Broward, confirmed per deal by an as-is and ARV appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Silver Lakes | $450K-$700K | Family SFR rehabs |
| Riviera Isles | $550K-$900K | High-ARV resale |
| Sunset Lakes | $500K-$800K | Gated value-add |
| Vizcaya | $470K-$740K | Cosmetic flips |
| Historic Miramar | $400K-$620K | Value-add SFR |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
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.
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
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 Silver Lakes project bought at $430,000 with a $75,000 rehab (ARV $620,000): applying the 90%-of-purchase + 100%-of-rehab cap, we lend about $462,000; with 2 points (about $9,200) and about 9 months of interest at 9.49% (about $32,900), estimated cash to close is about $52,200. After about 7% selling costs, estimated net profit is about $29,500 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
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
Qualifying for a Miramar hard money loan is deal-first, not income-first — here is what we look at on a Miramar file, and how little you actually need to bring.
| 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
Yes — cosmetic and full rehabs across Silver Lakes, Riviera Isles, and Sunset Lakes, funded on the deal.
As few as 5 days on a clean file, with rehab funded on draws.
Up to 95% LTC, 90 percent of purchase, and 100% of rehab, capped at 75 percent of ARV.
Yes — exit into a 30-40 year DSCR loan on the stabilized rent, handled in-house.
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.
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.
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Miramar visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Beyond fix & flip
A Miramar 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 south Broward family demand from Historic Miramar to Silver Lakes. Each is asset-based, funded on the deal, not your income.
Our core Miramar 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 Historic Miramar or Silver Lakes 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 →
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 Miramar neighborhoods like Historic Miramar, Silver Lakes and Sunset Lakes. We underwrite both sides in-house. Explore the Miramar DSCR refinance exit →
From 2–4 units to 30–150 unit value-add and mixed-use assets in Miramar, 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 →
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 →
Close before you sell, buy at auction, or reposition a short-term rental for the Miramar 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 Miramar
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.
© 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.
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