# Miami Fix and Flip Loans

> Hard money, fix and flip and DSCR rental loans for Miami, Fort Lauderdale and South Florida real estate investors. The South Florida division of Optimus Capital Corp (https://www.optimuscapitalcorp.com/), a relationship-driven lender for real estate investors founded in 2015. Business-purpose loans on non-owner-occupied investment property only.

Miami Fix and Flip Loans lends to real estate investors in Miami, Fort Lauderdale, Hialeah, Hollywood, Miami Gardens, Pembroke Pines, Homestead, West Palm Beach and the rest of Miami-Dade, Broward and Palm Beach counties. Andrew Shanti (Senior Vice President) runs the South Florida division and has worked in lending and real estate since 2005. Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score, within 70 to 75% of after-repair value, interest only, 6 to 24 months, no prepayment penalty. DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income (long-term market rent unless the address may legally host short-term rentals), with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Miami](https://miamifixandfliploans.com/investment-property-loans-miami/): non-owner-occupied lending and how to choose a lender
- [Fix and Flip Loans](https://miamifixandfliploans.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [DSCR Rental Loans](https://miamifixandfliploans.com/dscr-rental-loans/): single-family rentals, duplexes, townhomes, condos and small multifamily
- [Ground-Up Construction Loans](https://miamifixandfliploans.com/new-construction-loans/): new homes, townhomes and rebuilds
- [Hard Money Loan Programs](https://miamifixandfliploans.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Miami Fix and Flip Loans](https://miamifixandfliploans.com/about-us/)
- [Hard Money and Fix and Flip Loan FAQ](https://miamifixandfliploans.com/faq/)
- [Contact](https://miamifixandfliploans.com/contact/)

## Markets
- [Areas We Serve](https://miamifixandfliploans.com/areas-we-serve/)
- [Hard Money Loans in Miami, FL](https://miamifixandfliploans.com/miami-fl/)
- [Hard Money Loans in Fort Lauderdale, FL](https://miamifixandfliploans.com/fort-lauderdale-fl/)
- [Hard Money Loans in Hialeah, FL](https://miamifixandfliploans.com/hialeah-fl/)
- [Hard Money Loans in Hollywood, FL](https://miamifixandfliploans.com/hollywood-fl/)
- [Hard Money Loans in Miami Gardens, FL](https://miamifixandfliploans.com/miami-gardens-fl/)
- [Hard Money Loans in Pembroke Pines, FL](https://miamifixandfliploans.com/pembroke-pines-fl/)
- [Hard Money Loans in Homestead, FL](https://miamifixandfliploans.com/homestead-fl/)
- [Hard Money Loans in West Palm Beach, FL](https://miamifixandfliploans.com/west-palm-beach-fl/)

## Guides
- [Cost Segregation for Miami Rental Property: Bigger Deductions in Year One](https://miamifixandfliploans.com/cost-segregation-miami-rental-property/): How a cost segregation study front-loads depreciation on a South Florida rental, what 100% bonus depreciation changes, and why Florida makes the benefit simpler.
- [Fix and Flip Loans in Miami: How to Finance a House Renovation](https://miamifixandfliploans.com/fix-and-flip-loans-miami-guide/): How a fix and flip loan is sized on a South Florida house, what the hurricane code, insurance, the 50% flood rule and closing taxes do to the budget, and how to plan the exit.
- [Florida Property Tax for Real Estate Investors: What to Budget For](https://miamifixandfliploans.com/florida-property-tax-investors/): How Florida taxes investment property, why a rental gets no homestead exemption, how the non-homestead cap works and what Amendment 3 changes in 2027, and how to appeal your value.
- [Short-Term Rental Rules in Miami, Miami Beach and Fort Lauderdale](https://miamifixandfliploans.com/miami-short-term-rental-rules-investors/): Where short-term rentals stand in Miami, Miami Beach, Fort Lauderdale and the condo towers, what Florida law allows cities to do, and how we underwrite a South Florida rental.
- [Florida Condo Rules After Surfside: What Investors Need to Know](https://miamifixandfliploans.com/florida-condo-rules-investors/): How milestone inspections and structural integrity reserve studies affect a Miami condo you buy to rent, why special assessments are rising, and what to check before you make an offer.
- [DSCR Loans for Miami Rental Property: How They Work](https://miamifixandfliploans.com/dscr-loans-miami-rental-property/): How a DSCR loan qualifies a South Florida rental on its rent, why property tax, insurance and condo dues decide the ratio, and how to make the numbers work.
- [Hard Money Loan Document Checklist](https://miamifixandfliploans.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

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