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Investment property loans · Broward County, FL

Hard money, fix and flip and DSCR loans in Fort Lauderdale, FL

Fort Lauderdale gives investors two quite different products: houses and small multifamily on the canals and side streets around downtown, and condo units in the towers built along Las Olas Boulevard since the early 2000s. Typical plans include renovating older homes near the New River and the Intracoastal, holding small rental buildings, and running licensed vacation rentals for owners willing to register and pass the city inspection.

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Where investors buy

Neighborhoods investors look at in Fort Lauderdale

Housing runs from 1920s and postwar homes in Rio Vista and older Florida-style houses in Victoria Park to waterfront homes on the city's long network of canals, plus high-rise condominiums downtown.
Rio VistaOne of the city's oldest neighborhoods, with more than 1,000 houses between the New River and SE 12th Street along the Intracoastal Waterway, built in the 1920s boom and again after World War II.
Victoria ParkOlder Florida-style homes close to downtown, many of which have been replaced by larger new single-family houses.
Flagler VillageA former warehouse district north of downtown that now leans toward new apartment buildings and lofts.
Downtown and Las OlasRedeveloped since 2002 with hotels and tall condominium buildings, so most purchases here are condo units.

Loan programs

Loans for Fort Lauderdale real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Fort Lauderdale

30-year loans for Fort Lauderdale rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Fort Lauderdale

Buy and renovate in Fort Lauderdale with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Fort Lauderdale

Close quickly on a Fort Lauderdale property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Fort Lauderdale

Financing for new builds in Fort Lauderdale, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Fort Lauderdale

Financing for Fort Lauderdale apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Fort Lauderdale

Local rules and costs that change a deal's numbers or closing date in Fort Lauderdale and Broward County. Sources are listed at the bottom of the page.
  • If the plan is a short-term rental, budget time for licensing: Fort Lauderdale requires state and Broward County licenses first, then city registration, an inspection and a Certificate of Compliance.
  • For a condo or apartment building, check its status under Broward County's Building Safety Inspection Program, which calls for structural and electrical inspections once a building reaches 25 years from its certificate of occupancy and every 10 years after. One- to four-family dwellings of three or fewer habitable stories and fee simple townhouses are exempt.
  • Budget for Florida's documentary stamp tax on the deed, 70 cents per $100 of the price in Broward County.
  • Waterfront and low-lying lots often carry flood requirements: check the FEMA flood zone, and if the policy will come from Citizens, plan for a required flood policy (already for home policies with wind coverage in high-risk zones or at a dwelling value of $400,000 or more, and for all of them from January 1, 2027; condo unit-owner and renter policies are exempt).

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Have a Fort Lauderdale property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Fort Lauderdale: common questions

Do you offer hard money loans in Fort Lauderdale?

Yes. United Lending LLC offers private real estate financing for investors in Fort Lauderdale and the rest of Broward County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Fort Lauderdale?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Rio Vista, Victoria Park and Flagler Village, among other parts of Fort Lauderdale.

How much can I borrow for a Fort Lauderdale flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Fort Lauderdale?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Fort Lauderdale or have a Florida LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Florida, your loan officer will tell you what's needed before closing.

Florida

More places we lend in Florida

Sources (5)Checked November 9, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Fort Lauderdale: vacation rental registration
  2. Broward County Board of Rules and Appeals Policy 05-05 (effective Aug. 9, 2024)
  3. Fla. Admin. Code R. 12B-4.012: documentary stamp tax rate
  4. Citizens Property Insurance: flood insurance requirement
  5. Wikipedia: Rio Vista (Fort Lauderdale)