Hard Money Lender in Hialeah, FL
Rates Starting at 10%
West Forest Capital is a hard money lender serving Hialeah, offering financing for real estate investments as high as $3 million. Over the years, we have become known as one of the fastest lenders in Hialeah due to our ability to process loans swiftly and efficiently. We recognize the urgency of real estate opportunities in this dynamic market and provide funding solutions that help investors secure properties, complete renovations, and maximize their returns without being slowed down by traditional bank processes.
- We are a direct lender, not a broker
- Same day pre-approval
- Funding in 3-5 days, although 1 day is possible
- Loan amounts up to $5 million
The Trust We've Earned
Property Types
- Multi-family
- Single-family Investment Properties
- Condominiums
- Apartments
- Co-ops
- Retail
- Small Office Buildings
- Industrial & Warehouse
- Duplex
- Triplex
- Quadplex
- Mixed-Use
Lending Parameters
| Loan Size | $100,000 to $5,000,000 |
| LTC | Up to 80% of purchase price |
| Rehab Funding | 100% |
| LTV | Up to 70% of the ARV |
| Term | Standard is 12 months. 24-36 months is available |
| Lien | First lien; second lien as additional collateral only |
| Interest Rate | 10%–12.5% |
| Points | 1.5–2% of the loan amount |
Areas Covered
West Forest Capital lends in the following counties and locations near Hialeah:
- Miami-Dade County
- Broward County
- Monroe County
- Palm Beach County
- Collier County
- Hendry County
- Lee County
- Martin County
- Sarasota County
- St. Lucie County
Recently Funded Hard Money Loans
Jersey City, NJ
Newark, NJ
Elizabeth, NJ
Why Use a Hard Money Loan
- If you need funding fast. Timing can make or break a real estate investment, and banks often take too long to process loan applications. West Forest Capital provides same day approval for hard money loans and ensures funds are available within three to five days. In urgent scenarios, we can expedite funding to a single business day to accommodate emergency opportunities and high-stakes transactions.
- If the property isn’t stabilized. In many cases, traditional banks decline financing because of the condition of the property. This may involve homes that require renovations, properties without a Certificate of Occupancy, or rentals without an established history. Hard money lenders such as West Forest Capital are prepared to finance these projects, supporting investors in taking on properties that would otherwise remain inaccessible.
- If you have poor credit. A low credit score or past financial setbacks should not prevent you from pursuing a promising investment. West Forest Capital places greater emphasis on the property’s potential and the borrower’s repayment strategy rather than personal credit metrics. This approach allows individuals with imperfect credit to access the capital they need to grow their real estate portfolio.
- If you don’t want to take a loan in your personal name. Banks typically require ownership of the property in the borrower’s individual name, which can complicate matters for investors with multiple holdings. West Forest Capital allows funding through LLCs or corporate entities, providing a practical solution for investors seeking to manage liability while maintaining flexibility in property ownership.
Why Choose A Hialeah Hard Money Lender
We are a Hialeah hard money lender with a primary focus on South Florida, including Miami-Dade County and surrounding investment markets. While South Florida represents a major portion of our lending activity, we also consider hard money loans in other areas of Florida on a case by case basis, depending on the specifics of the project and the investment strategy.
In and around Hialeah, we are recognized for delivering fast service and competitive hard money rates to real estate investors. This part of South Florida remains highly active and continues to grow, making speed and reliability essential for successful transactions. Whether you are investing in residential or commercial properties nearby, our priority is to ensure your deal is funded without unnecessary delays. If you are looking for a hard money loan in Hialeah or the surrounding communities, we are here to support your investment goals.
Financing your Hialeah Investment Property
Hialeah sits within one of the fastest growing states in the nation, supported by consistent population increases and economic expansion across South Florida. Given Florida’s size, there is a wide range of market conditions between urban and suburban areas. South Florida has long been recognized as a cosmopolitan region, supported by international trade, cultural diversity, and a strong tourism driven economy.
As Florida’s population continues to grow, development has expanded beyond traditional city centers. Communities surrounding Hialeah are experiencing increased business activity, residential development, and infrastructure investment. These trends have created substantial opportunities for fix and flip projects, along with rising rental rates for single family homes, condominiums, and multi family properties.
To compete effectively in the Hialeah market, investors must focus on value-add real estate or act quickly when presenting offers. In both cases, our Hialeah hard money loan program is designed to provide fast funding solutions that help investors secure deals without unnecessary delays.
Asset-backed Lender Focused on Customized Solutions
Our expertise lies in originating hard money loans for real estate investment properties in Hialeah and throughout the surrounding South Florida markets. With this localized knowledge, West Forest Capital is able to design creative and flexible financing structures that meet your hard money lending needs. We fund loans directly, allowing us to avoid unnecessary red tape and streamline the process. Since our loans are based primarily on the value of the property, there are situations where a property purchased significantly below market value may qualify for financing that covers 100 percent of the purchase price and rehabilitation budget. We also provide cash out refinancing solutions for investors looking to access equity.
Beyond our standard one year loan offering, West Forest Capital provides the longest hard money loan term available, with options extending up to three years. This is particularly beneficial for Hialeah investors who need additional time to complete renovations, stabilize rental income, or reposition a property before refinancing or selling.
Give us a call to review your Hialeah investment scenario. Our team will provide prompt feedback on loan to value and rate so you can move forward with clarity and confidence.
Frequently Asked Questions about Hialeah Hard Money Loans:
For investors exploring rental property purchases through hard money loan programs, we have outlined helpful answers to the most frequently asked questions below.
What are hard money lenders?
Hard money lending is a financing solution frequently used by real estate investors to facilitate property acquisitions or cash out refinance transactions. The loan is secured by the subject property and funded through private capital, with approval primarily determined by the market value and condition of the real estate being used as collateral.
Conventional bank loans typically require extensive evaluation of a borrower’s credit score, financial history, income, and debt obligations. Hard money lenders take a different approach by focusing on the property’s value and overall investment potential. In the event of default, the lender may take ownership of the property through foreclosure. These private loans are suitable for both commercial and residential real estate transactions.
How Do Hard Money Loans Work?
Unlike conventional bank loans, hard money loans are structured to meet the needs of real estate investors who require fast access to capital. These loans are commonly used for short-term financing when an investor must act quickly to secure a property before another buyer steps in.
Hard money lenders are able to approve and release funds much faster than traditional banks. In many cases, borrowers can receive financing within days rather than weeks or months. This speed allows investors to compete more effectively, and sellers often view offers backed by hard money as nearly equivalent to cash due to the reliability of closing.
Traditional financing institutions follow lengthy procedures that involve gathering extensive documentation, multiple underwriting reviews, and approval from several departments. Even after completing this process, borrowers may still face unexpected denials just before closing. With hard money loans, approvals are issued quickly, commitment letters are provided early, and funding typically occurs within a two week timeframe.
Since these loans are asset based, their repayment periods are shorter than standard mortgage products. Additionally, many hard money programs do not include prepayment penalties, giving borrowers the freedom to pay off the loan as soon as their investment strategy allows.
What do hard money lenders look for?
Credit score, borrowing history, and access to liquid assets like cash reserves or securities are all reviewed when evaluating a hard money loan application. These elements contribute to the overall picture but carry far less weight than the underlying value of the real estate securing the loan. Experience in real estate transactions can strengthen an application, though it is not mandatory.
A well thought out execution plan is essential. Lenders need to understand how the borrower intends to exit the loan, whether through a fix and flip strategy, refinancing, or another repayment method, and must be comfortable that the plan is achievable.
What is hard money used for?
Hard money loans are used for many investment purposes, but most borrowers rely on them for property purchases that require fast access to capital. Often referred to as bridge loans, hard money financing helps cover the period between acquiring a property and stabilizing it through renovations, leasing, or resale. This structure allows investors to act decisively when timing plays a critical role in securing a deal.
Private money lenders like West Forest Capital regularly fund real estate investors whose projects fall outside the guidelines of traditional lenders. In Hialeah, FL, hard money lenders commonly assist investors working on properties that need significant repairs or redevelopment. These loans, often classified as fix and flip financing, provide the speed and adaptability investors need in a competitive real estate market. Because banks are typically reluctant to lend on properties requiring major renovations, many Hialeah investors choose hard money loans to move forward confidently.
Is a down payment required?
In many cases, a down payment is required when using hard money financing, though the exact percentage is not fixed and can differ from one deal to another. Hard money lenders operate differently from conventional lenders and often require borrowers to have money invested in the deal from the beginning. This approach helps ensure that the borrower has a vested interest in the success of the project. The size of the down payment is usually determined by elements such as the condition of the property, its market value, and the borrower’s track record in real estate investing.