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Construction

Development

Heavy Rehab

Fund your ground-up projects, major renovations,
additions, and large-scale developments with
predictable draw schedules and flexible underwriting.

Construction Loans for Builders

Ground-Up Development 

Large-Scale Addition Funding

Ground-Up Construction Loans

Finance new builds from the foundation up. Perfect for residential, multifamily, and small-commercial developments looking for predictable draw releases and fast approvals.

Development & Expansion Funding

Tailored financing for larger development plans, additions, and multi-phase construction projects. Ideal for builders and investors scaling into bigger projects.

Heavy Rehab / Major Renovation Loans

Funding for complete overhauls, structural changes, additions, and full property repositioning. Supports BRRRR investors, developers, and contractors managing extensive improvements.

DIFFERENT CASE SCENARIOS AND SUCCESSFUL FUNDING

  • DSCR 30-year fixed loan

  • 80% LTV (20% down)

  • No tax returns or W-2s required

  • Closed in 14 days

DSCR Rental Loan

$525,000 Single-Family Rental in Fort Lauderdale

Ground-Up Construction


New 4-Unit Townhome Development 

  • Construction loan covering 85% of the total cost

  • $1.02M construction budget funded via draws

  • Interest-only during construction

  • 12-month term with extension options

Commercial Multi-Tenant Strip Plaza

$2.3M Neighborhood
Retail Center

  • Commercial bridge loan

  • 70% LTV ($1.68M financing)

  • Quick 10-day close to beat competing offers

  • Interest-only for 24 months

  • Refinance to a long-term DSCR commercial loan planned after minor renovations

Benefits

Who is it suitable for?

Whether you're constructing from the ground up, expanding an existing property, or executing a full-scale renovation, our construction and development loans are designed to support builders, contractors, and investors who need reliable capital and structured draw schedules.

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Builders & General Contractors

Perfect for licensed builders and contractors constructing new homes, duplexes, townhomes, multifamily units, or small commercial buildings. Access predictable draw schedules, interest-only payments, and flexible underwriting built for active builders.

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Real Estate Developers & Project Sponsors

Ideal for investors, developers, and project sponsors handling multi-phase developments, additions, or major value-add transformations. Secure capital for land, vertical construction, permits, materials, and full project execution.

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Investors Completing Heavy Renovations

Designed for BRRRR investors, property owners, and rehab specialists completing structural improvements, full interior rebuilds, property reconfigurations, or large additions. Finance big projects without the limitations of conventional lenders.

Plans

Built for Every Type of Investor

Whether you're acquiring rentals, flipping properties, funding renovations, or scaling a multifamily portfolio—Miami Financial gives you fast, flexible lending tools designed for real-world investing.

Quick Capital 

Hard Money Bridge Loan

Ideal for Flips, Auctions, Repairs & Time-Sensitive Deals

Fast Capital

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Same-week closings

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Renovation & value-add friendly

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No income verification needed

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Perfect for Fix & Flip, BRRRR, distressed assets

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Apply for Fast Capital

Long-Term

Investment Loans

Qualify based on the property’s income,
not your tax returns. 

DSCR

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Ideal for long-term or short-term rentals (Airbnb/STR)

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Refinance, cash-out, or purchase

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Build long-term passive income

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Cash-Flow Loans

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30 projects

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Start Your DSCR Pre-Approval

Portfolio

Multifamily Commercial

Serious investors ready to scale into larger assets.

Multifamily / Commercial

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Tailored underwriting to match your business model and long-term strategy.

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Bridge-to-perm options

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Mixed-use & commercial OK

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Strong local underwriting advantage

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5-100+ Unit Loans

Currently Servicing the Following States

FLORIDA | TEXAS | TENNESSEE | ARIZONA | GEORGIA | NEVADA | OHIO | INDIANA | ALABAMA | SOUTH CAROLINA

Online Business

DSCR (Highest Search Volume in 2024–2025)

Working with Laptop

Hard Money (High Click-Through & High Intent)

Shooting Recipe Videos

Multifamily (High Value & Large Loan Size Audience)

Blog

Helpful articles

Explore some of our customers’ top financing challenges and learn how Miami Financial has helped find loan solutions that help you to leave these problems in the past.

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