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Hard Money Lenders Miami



Independent Lending one of the leading hard money lenders - Miami. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

Independent Lending has been a reliable Miami hard money lender since 2013 using a variety of hard money, private money as well as specialized financing programs. Situated in gorgeous Aliso Viejo, CA Independent Lending has actually funded over $500 million in home mortgage funding as well as offers an exceptional degree of client solutions and also fast financing for quick money. Independent Lending’s Miami home mortgage rates are affordable and also we have no junk costs. Contact Us to get started on your Miami mortgage lending goals!


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Hard Money Lenders Miami

With warm breezes, impeccable beaches, and an amazing nightlife, it’s no wonder real estate investors are being drawn to Sunshine City. Miami is on the radar of a lot of real estate investors looking to expand their footprint into Florida’s real estate markets, and Miami hard money lenders are making it all possible.

For years Miami’s real estate market has been on fire, fueled by a strong labor force and commitment to capital improvement. 
Recent modernization projects for Miami International Airport and other key infrastructure have helped elevate the quality of life for Miami residents.

Miami hard money lenders are helping real estate investors and property owners capitalize on the heightened demand for rental housing throughout the area as the city maintains its status as the 9th largest metro area in the country.

Recent data indicates that nearly 
half of all households in Miami rent. With inventory starting to creep higher, now is the perfect opportunity to leverage hard money loans. Miami real estate investors seeking enhanced growth and profits should consider how Miami hard money can fit into their investment strategy.

Many investors are turning to Independent Lending for their hard money financing solutions. Independent Lending is Miami’s preferred hard money lender with over 40 years of combined industry experience offering fast and flexible hard money loan programs that can help you generate wealth investing in Miami real estate.

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What is a Miami Hard Money Loan?

When it comes to financing new investments, investors have a lot of choices when it comes to loan programs. Florida Hard money lenders are becoming a preferred method for funding new real estate acquisitions because hard money loans offer more upside and less headaches.

Miami hard money loans are short term loans that are backed by real estate. They are typically used to purchase new residential or commercial investment properties or to pull cash out by a 
cash out refinance .

Unlike traditional mortgage programs offered by institutional lenders like banks and credit unions, Miami lenders can approve new hard money loan requests much faster and also offer a 
guaranteed home equity loan with bad credit because they are not encumbered by the same lending guidelines and restrictions.

As a preferred Miami hard money lender, Independent Lending can qualify borrowers for Miami hard money loans without needing to review piles of financial documents or analyze your credit report with a fine-toothed comb. Rather, the approval of your loan request will heavily emphasize the value of the real estate being used as collateral.

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Miami Hard Money Program Highlights

How Can Miami Hard Money Lenders Help?

Real estate investing in Miami can get quite competitive. That’s why it’s important to have a strong advantage over other savvy investors. Miami hard money lenders can help you grow your real estate portfolio in a variety of ways.

To begin with, Miami hard money lenders can approve loan requests extremely fast; much faster than 
conventional or online lenders. Miami hard money lenders can do this because they have few requirements to qualify for Miami hard money loan programs.

Having a lender in your back pocket to approve your loan requests fast offers several key benefits. The biggest benefit is that your offers instantly become more competitive because you are closing in days, not weeks.

You also reduce processing costs and improve time management. Those weeks you could be waiting for an approval from a mainstream lender can now be spent searching for your next big investment opportunity.

Another way Miami hard money lenders like Independent Lending can help is by developing a specific strategy centered around flexible financing programs. In some cases, a purchase mortgage may not be the best solution. Rather, a bridge loan on an existing property could be the more cost-effective solution.

Choosing one of the top Miami private money lenders that listen to your needs and understands your financial objectives is crucial to executing a successful investment plan. Independent Lending has both the hard money loan programs and the professional acumen to help you develop a financing strategy that works for you.

In short, there are a variety of ways Miami hard money lenders can help. Whether you need quick cash,
heloc with bad credit, mortgage for self employed, or want to qualify for a loan using alternative underwriting criteria, Independent Lending can help.

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Commercial & Residential Hard Money Purchase Loans

Many real estate investors will utilize hard money purchase loans for Miami either a new residential or commercial investment property. Since conforming conventional loan programs can be extremely restrictive, commonly having minimum credit score and reserve requirements, hard money purchase loan programs are a much better financing alternative.

When you work with a Miami hard money lender to purchase a new investment property, your loan will be approved much faster than using a mainstream lender. This allows you to structure your deal more competitively to ensure you get the best possible terms.


Independent Lending continues to be one of Florida’s premier hard money bridge loan providers. A bridge loan is a type of short-term loan which allows property owners in the middle of selling an existing property to access their equity for the purposes of purchasing a new investment property.

The most useful aspect of 
hard money bridge loans is that your existing real estate doesn’t have to sell prior to the loan funding. This means you don’t have to wait around to collect your net proceeds that will ultimately go toward your new property anyway. In short, bridge loans can save you time and allow you to never miss out on amazing investment opportunities.


Debt service coverage ratio (DSCR) loans have become increasingly popular amongst Miami real estate investors for their extreme flexibility.

One of the biggest benefits to using a 
DSCR hard money loan is that Independent Lending will qualify you without needing to review your personal income. Instead, an approval decision will be based on the potential rental income the subject property can generate, among other factors.

Miami DSCR loans are ideal for borrowers that are self-employed, don’t have consistent income, or who receive non-traditional forms of income.

Bad Credit Mortgage Loans

According to recent data, Miami is one of many growing metro areas with some of the lowest average credit scores in the country. However, Independent Lending doesn’t feel that your credit score should determine your ability to obtain a new hard money loan.

If you have had issues in the past managing your credit, hard money bad credit mortgage loans might be the solution you need to your financing situation. Independent Lending offers bad credit loans to Miami borrowers regardless if they have had prior collections, delinquencies, or derogatory credit events such as a 
bankruptcy or foreclosure.


Probate real estate, trust, and estate situations can be extremely complex and drawn out. In some cases, there may be a need to obtain a hard money loan to help beneficiaries pay creditors or divide up ownership of a decedent’s assets.

Independent Lending has helped thousands of Miami households identify whether 
probate, trust loans or an estate loan is the best solution for these situations. Independent Lending can help you navigate the probate, estate, and trust process and offer financing in these specialty situations where traditional lenders cannot help.

Cash Out Refinance

Incorporating Miami hard money cash out refinance loans into your real estate investing plan is a smart move given real estate market trends over the last few years. In many cases, hard money cash out refinance loans can even be more advantageous than a hard money purchase mortgage.

Taking advantage of the available equity in your Miami property to help purchase a new investment property can accelerate your investment strategy. Independent Lending can help you develop a sound financing strategy that includes both purchase and cash out refinance hard money loans to make sure both programs synergize with your overall plan.

Independent Lending Recently Funded Loans

Using a Miami Hard Money Loan from Independent Lending

Miami’s real estate market continues to offer lucrative investment opportunities for new and seasoned real estate investors. Miami hard money lenders can help executing your real estate investment strategy much easier.

But in order to get the right results, it’s equally important to partner with the right Miami hard money lender. Choosing a Miami hard money lender that offers both experience and service is the key to success in this competitive market.

Independent Lending has 40 years of combined industry experience, centering our lending approach on understanding your financial objects to help you develop an insightful financing plan that synergizes with your overarching investment goals.

As a Zillow 5-star approved direct lender with an 
A+ rating from the BBB, we are dedicated to helping navigate you through our various beneficial hard money mortgage programs available.

Need a Miami Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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