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Hard money lenders Miami FL

Private loans for real estate investors

Total Transacted

200+ Million

Number of Loans


Why Us?

fast closing

Fast Closing

Approval withing 24-48 hours, average closing within 7-12 days.

No Prepayment Penalty

No Prepayment Penalty

There are no penalties for paying off or partially amortizing the debt at any time.

Low rates, Low payments

Low rates, Low payments

Competitive rates and flexible programs with interest only payment until maturity.

Everyone Welcome

Everyone Welcome

Including borrowers with no credit history, new businesses and foreign nationals.

What is a Hard Money Loan?

Hard money loans are essentially short-term loans, secured by a tangible asset. Many real estate investors consider them a good alternative to traditional lending for a variety of reasons, with the most important being the ease and speed of the transaction. Due to the competitive nature of the real estate investment industry, the ability to close quickly is a huge advantage for an investor vying for a hot property. Smart investors know that presenting an all-cash offer to a seller can increase the likelihood of securing the deal.

Additionally, hard money lenders are a practical solution for borrowers when conventional banks turn them down. Investors who lack sufficient liquid assets or have questionable or no credit history can borrow against the physical property and not their personal financial assessment. Having the loan backed by the real estate or “hard asset” considerably reduces the risk to the lender. Furthermore, new investors without a successful track record of rehabbing are more likely to get funding with a private real estate loan.​

These loans typically range from 6 to 24 months and normally have a fixed rate, while points and closing costs might vary.

How to get Hard Money Loan in Miami

Obtaining financing from a hard money lender is a much simpler process than with a traditional bank. While it’s necessary to complete an application, the paperwork requirements are more streamlined. Hard money lenders typically require the basic, two months of bank statements, and a driver’s license. More importance is placed on the value of the asset, projected project timeline, and investor experience over a borrower’s personal assets, credit, and income. It is important to be well-organized, have all documentation verified and in order before approaching a potential lender, as most prefer to work with experienced lenders.

Miami Hard Money Loan Programs

Fix and flip loans, residential and commercial bridge loans, rental investment loans for multi-family and single-family properties, and new construction for resale are the most common types of investor loans. These can be established as refinance, purchase, or cash-out loans. It is the borrower’s responsibility to have enough knowledge to determine the type of loan that fits, based on which would be the best financial move.
bridge loans

Bridge Loan

Bridge loans are short-term loans, typically taken out for a period of 2 weeks to 3 years pending the arrangement of larger or longer-term financing.

Fix and Flip Loans

Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit or refinance.

New Construction

New construction loans are short-term loans used to finance the building or renovation of a home or real estate project.

Rental Loan

Rental Loan

Rental Loans are a financing option for investors looking for a long-term solution, at an attractive rate.

Land Loan

Land Loan

Land Loans are short-term loans collateralized by land. Investors looking for construction loans.


Commercial Bridge loans are short-term loans, typically taken out for a period of 2 weeks to 3 years.

How is RBI Mortgages different from other Private Money Lenders in Miami, FL?

The Miami housing market is one of the best long-term investments for real estate investors. The Miami market has consistently maintained a well-balanced ratio of buyers and sellers. Designated as the “Magic City,” Miami is known for its white sand beaches, eclectic culture, fabulous food, amazing nightlife, and even better weather. According to a recent Forbes report, Florida is home to the largest number of investment-friendly cities among all 50 states and remains one of the top desired places to live in Florida. Miami is well on its way to becoming an international business hub and can be very lucrative for both foreign and domestic real estate investors.

RBI Mortgages knows the Miami real estate market and offers the best solutions for foreign and/or local borrowers looking for cash and/or fast closing. When comparing loan rates, RBI Mortgages has some of the most competitive rates in Miami. New and experienced investors will discover we understand the lending market and are committed to offering the highest level of customer service.

Why Use Fix and Flip Loans ?

Fix-and-flip loans are designed to cover the entire cost of a rehab project. Investors should have a strong grasp on the numbers before shopping for a loan. Compiling the purchase price, renovation costs, and after repair value (ARV) of the asset helps to determine the loan-to-value (LTV), or the amount required for down payment, mortgage rates, and risk to the lender. Generally, lenders base the loan amount on an LTV at or around 65% of the appraised property value. If the “hard asset” or property is valued at around $200k, the loan offered might be in the $130k to $145k range.

Real estate investors should look closely at the cost-to capital, evaluate points, percentages, and closing costs to determine the profit margin and whether a lender’s terms will conform to the rest of the deal. Will there be enough margin to make the deal work? Is the loan consistent with the investment deal? Even the most experienced investors consistently shop around for lenders and loan options, always looking for a great referral.

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Do you make personal loans? 
We do not make personal loans, only for real estate investment. 

What kind of real estate loans do you make? 
RBI finances real estate investments, both the purchase of properties for rent or second residence, as well as renovations for subsequent resale. We also finance the real estate development 

What is the interest rate and loan term?
Usually, loan rates are 9% and 1.75% points. Loan terms are 12-36 months

What is the loan type?
Most our loans are interest only, which means a fixed interest is paid throughout the term and full balance at maturity. For example, a $100,000 with 12 months term and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000

What happens if I sell the property or prepay the loan before maturity?
In most of our loans there is no prepayment penalty.