Hard Money Loans Pompano Beach, Florida
Finance a Pompano Beach flip, bridge, or ground-up project on the deal — not your income. This revitalizing Broward beach city rewards coastal value-add plays, and as a direct lender since 1998 we fund in as few as 5 days with rehab draws.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Coastal value-add flip & bridge — up to 95% LTC — fund in 5 days
- 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.
Pompano 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: Coastal value-add and near-beach reposition flips in Pompano Beach
- 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 Pompano Beach
What is a hard money loan in Pompano Beach, Florida?
A Pompano 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. Pompano Beach is a fast-gentrifying coastal market where dated homes and condos near the pier, Old Pompano, and the Isles trade well below renovated comps, leaving room for value-add repositions. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, capped near 75% ARV, with interest-only or 30-40 year amortization options. On this barrier-island coast, wind and flood insurance is a genuine holding cost — we underwrite the real premium so your numbers work.
| 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
Pompano 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
Not all hard money is equal in Pompano Beach. The table below shows where our direct-lender program beats the leverage, rates, and close times national lenders typically advertise to Pompano Beach investors.
Pompano 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.
Pompano Beach market data
Pompano 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) | $420K — coastal value-add |
| Typical flip margin | $60K-$110K |
| Avg days on market | 40-58 days |
| Investor activity | Rising — gentrification wave |
| Insurance (holding) | Barrier island — wind & flood premiums |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Pompano Beach neighborhoods
Where Pompano Beach flips & BRRRRs pencil
Where Pompano Beach value-add spreads are widest — confirmed per deal by an as-is and ARV appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Old Pompano | $350K-$600K | Historic core cosmetic rehabs |
| Cresthaven | $380K-$550K | Canal-adjacent starter flips |
| The Isles | $650K-$1.1M | Waterfront luxury reposition |
| Harbor Village | $450K-$700K | Near-beach condo value-add |
| Palm Aire | $300K-$500K | Golf-community cosmetic updates |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Pompano 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 Pompano 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 Pompano Beach hard money deal
A Old Pompano project bought at $400,000 with a $90,000 rehab (ARV $600,000): applying the 75% ARV cap, we lend about $450,000; with 2 points (about $9,000) and about 9 months of interest at 9.49% (about $32,000), estimated cash to close is about $49,000. After about 7% selling costs, estimated net profit is about $27,000 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Pompano 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
Pompano Beach hard money requirements
Here is what it takes to get funded in Pompano 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
Pompano Beach hard money loan FAQ
Do you fund coastal Pompano Beach flips near the water?
Yes — we finance waterfront and near-beach Pompano Beach flips up to 95% LTC and underwrite wind and flood insurance as a holding cost so the deal pencils.
How much can I borrow on a Pompano Beach value-add?
Up to 95% of cost — 90% of purchase and 100% of rehab — capped near 75% of the after-repair value, with rehab funded on draws.
Can I use a bridge loan to reposition an Old Pompano home?
Yes — a Pompano Beach bridge closes in as few as 5 days so you can buy, renovate, and refinance or sell without waiting on bank timelines.
How is flood insurance handled on my Pompano Beach numbers?
We underwrite the actual flood and wind premium for the specific Pompano Beach parcel so your holding costs are real before you commit.
Do you offer a BRRRR loan program in Pompano 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 Pompano 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 Pompano Beach?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Pompano Beach visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Related Pompano Beach & Florida investor loans
Beyond fix & flip
Pompano Beach investor loan programs: bridge, BRRRR, multifamily & more
A Pompano 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 coastal Broward reposition demand from Old Pompano to Palm Aire. Each is asset-based, funded on the deal, not your income.
Fix & flip bridge loans in Pompano Beach
Our core Pompano 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 Old Pompano or Palm Aire 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 Pompano 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 Pompano Beach neighborhoods like Old Pompano, Palm Aire and Cypress Harbor. We underwrite both sides in-house. Explore the Pompano Beach DSCR refinance exit →
Multifamily & mixed-use bridge loans
From 2–4 units to 30–150 unit value-add and mixed-use assets in Pompano 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 Pompano 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 Pompano 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 Pompano Beach
Apply for your Pompano 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.