Miami has transitioned into a pronounced buyer’s market in 2025 – 2026. The inventory of condos and single-family homes has surged, with some segments seeing a year-over-year inventory increase of over 44%. This oversupply has extended days-on-market and given buyers significant negotiating leverage. However, this is not a crash; prices remain resilient ($670k median for single-family), supported by international demand and a “flight to quality”.
For hard money lenders in Miami, Miami presents a counter-intuitive opportunity. The high volume of inventory includes many units that are “un-financeable” via traditional means due to condo association reserve issues or deferred maintenance. Cash (or hard money) is the only way to transact on these units. Furthermore, the luxury market in Coconut Grove and Brickell remains active but requires high-balance “jumbo” loans that exceed the limits of many smaller private lenders.
Foreign national investors remain a critical demographic in Miami, particularly in the pre-construction and luxury condo sectors. A private lender with a dedicated foreign national program is essential for capturing this market share.
Miami’s real estate market in 2025 is a landscape of immense potential for the liquid investor. As inventory levels rise and the market shifts decidedly in favor of buyers, the ability to act quickly with unconditional capital is the ultimate competitive advantage. Capital Funding stands as Miami’s premier hard money lender, providing the high-leverage, asset-based financing required to capitalize on opportunities in Brickell, Coral Gables, and beyond.
Navigating Miami’s Buyer’s Market with Speed and Certainty
The surge in inventory across Miami-Dade County—reaching nearly 10 months of supply in some sectors—has created a buyer’s market where negotiation is paramount. Sellers who were previously inflexible are now entertaining lower offers, provided the buyer can close quickly and without contingencies. Traditional mortgages, with their 45-60 day closing timelines and rigorous condo questionnaires, place investors at a disadvantage.
Capital Funding’s private lending model is designed for this specific environment. We offer a 7-day closing capability that empowers you to present offers that are virtually “good as cash.” By removing the uncertainty of bank financing, you can negotiate substantial discounts on purchase prices, instantly building equity in your investment.
Luxury Fix and Flip Financing in Miami
Miami is synonymous with luxury, and the demand for ultra-premium renovated homes remains insatiable in neighborhoods like Coconut Grove and Miami Beach. However, the capital requirements for these projects are substantial. A typical renovation in these zones can easily exceed six figures.
Our Fix and Flip Loan Program is tailored for the high-stakes Miami market. We offer Jumbo Hard Money Loans up to $50 million, ensuring that you have the firepower to acquire and renovate marquee properties.
Bridge Lending for Condo Stabilizations
A significant portion of Miami’s current inventory consists of condos in buildings that may not meet the strict new reserve requirements for Fannie Mae or Freddie Mac financing. These units often trade at a discount because the buyer pool is limited to those with cash.
As an asset-based lender in Miami, Capital Funding provides bridge loans that allow you to acquire these non-warrantable condos. Whether you are buying a unit in Downtown Miami or Sunny Isles, our bridge financing gives you the time to renovate the unit or hold it until the building’s financials stabilize, allowing for a future refinance or sale at a premium.
Foreign National Lending Program
Miami is a global gateway, attracting investors from Latin America, Europe, and beyond. However, foreign nationals often face insurmountable hurdles when seeking financing from U.S. banks. Capital Funding offers a dedicated Foreign National Loan Program that streamlines the process. We do not require U.S. credit or tax returns; instead, we underwrite the loan based on the cash flow of the property and the borrower’s liquidity. This program opens the door for international investors to purchase vacation rentals in Midtown or investment condos in Aventura.
Commercial and Multifamily Value-Add Financing
From the artistic transformation of Wynwood to the redevelopment of Little Havana, Miami’s commercial sector is dynamic. Capital Funding provides commercial bridge loans for investors targeting value-add opportunities in multifamily, retail, and mixed-use properties. If you have an asset that needs capital improvements to raise rents and decrease vacancy, our interest-only bridge products provide the necessary runway.
Your Strategic Hard Money Lending Partner in Miami
In a market defined by “flight to quality” and inventory abundance, Capital Funding gives you the tools to succeed. We combine the agility of a local private lender with the capacity of an institutional firm. Whether you are executing a luxury flip in South of Fifth or building a rental portfolio in Allapattah, we provide the customized financial solutions that drive Miami real estate forward.
Apply with Capital Funding today and secure the capital you need to dominate the Miami market.
When you need to close on time with no hassles, you can count on Capital Funding as Miami’s top hard money lender for real estate loans and other chattel such as yachts and aircrafts.
Check out our hundreds of closings with over 500 Million in closed loans in Florida and countless reviews from attorneys, brokers, and most importantly our borrowers.
