FL · Fort Lauderdale
Bridge, Flip & Construction
Loans in Fort Lauderdale, FL
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Fort Lauderdale, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances investors who buy, renovate and build residential investment property in Fort Lauderdale and across Broward County. We write bridge loans, fix & flip loans and ground-up construction loans from $1M to $5M, plus renovation financing and DSCR loans once a property is rented. Term sheets go out in 24 to 48 hours, and a clean file closes in about two weeks.
Our Broward borrowers include local investors renovating older single-family and 2-4 unit buildings, builders replacing them with new product, and investors buying from abroad. A non-US investor borrows on the same terms as a US investor: the loan is made to a US LLC and underwritten on the property, with no US credit history required.
Fort Lauderdale is part of the Miami-Fort Lauderdale-West Palm Beach metro, which took 45% of Florida's international residential purchases in the Florida Realtors 2025 survey (August 2024 to July 2025). Buyers from Latin America and the Caribbean made up 64% of the metro's international buyers, and Europe 14%.
Broward is one of only two Florida counties in the High-Velocity Hurricane Zone of the Florida Building Code, along with Miami-Dade. Impact-rated windows, doors and roofing are part of every serious rehab or new build here, and we expect to see them in the budget. Much of the city sits near the water, so we also check flood zone status early, because the FEMA 50% rule can change the scope of a renovation.
Fort Lauderdale Market Highlights
Older stock, value-add plays
Fix & flip and renovation loans up to 90% of cost for buyers updating older single-family houses and small 2-4 unit buildings, with rehab funds released in draws.
Teardown and new build
Construction loans up to 85% LTC for investors who buy a dated house on a good lot and build new, a common play in neighborhoods close to the water.
HVHZ building code
Broward and Miami-Dade are the only High-Velocity Hurricane Zone counties in Florida. Openings and roofing must carry HVHZ-qualified approvals, which shapes rehab costs.
Flood zones and the 50% rule
If improvements cost 50% or more of the structure's market value in a flood zone, the building must meet current floodplain rules. We review this before sizing a renovation.
Bridge, then DSCR
Bridge loans up to 80% LTV to close quickly, followed by a DSCR loan up to 80% LTV once the property is stabilized and leased.
Same terms from abroad
European and Latin American investors borrow through a US LLC with no US credit history, at the same leverage and pricing as a US borrower.
Key Submarkets
Victoria Park
Flagler Village
Rio Vista
Coral Ridge
Wilton Manors
Oakland Park
Lauderdale-by-the-Sea
Pompano Beach
Hollywood
Dania Beach
Plantation
Davie
Property Types We Finance
Single-Family
2-4 Units
Condos & Townhomes
Small Multifamily (5-9 Units)
Spec Homes
Teardown & Rebuild
Build-to-Rent
SFR Portfolios
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
Investing in Fort Lauderdale from outside the US
If you are buying in Fort Lauderdale from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
Can a foreign national finance a Fort Lauderdale flip or new build?
Yes. The loan is made to your US LLC and underwritten on the property, the budget and the exit. No US credit history or Social Security number is required, and the terms are the same as for a US investor: up to 90% of cost on a fix & flip and up to 85% of cost on ground-up construction.
Does the hurricane building code affect my rehab loan in Broward?
It affects the budget. Broward is in the High-Velocity Hurricane Zone, so replacement windows, doors and roofing need HVHZ-qualified products. We underwrite the rehab budget with those costs included and release funds in draws as the work is completed.
What does it cost to close a loan with Passy Capital?
Our fee is 1% to 2% of the loan amount, paid at closing, with no upfront fees. Standard third-party costs such as appraisal, title insurance and Florida documentary stamp and intangible taxes apply on top.
Learn More
Fix & Flip Loans
Purchase and rehab in one loan, up to 90% of cost, closing in about two weeks.
Construction Loans
Ground-up financing up to 85% of cost for spec homes and build-to-rent.
How to Set Up a US LLC as a Foreign Investor
Forming the LLC that holds the property and borrows, with no US residency required.
More answers in investor questions, answered and the glossary of lending terms.
Other Cities in Florida
We also finance investors across other Florida markets.
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