"My bank took two weeks just to 'review' a 1958 CBS house off Calle Ocho — LendingFLA had my term sheet the next morning and we closed in 8 days. They funded the purchase plus 100% of a $95K rehab, with draws wired in about 48 hours. Sold three weeks after final inspection. They're my first call now."
JM
Javier M.
Fix & Flip · Little Havana, Miami
"I found a tired West Hialeah duplex and had to move before a cash buyer did. LendingFLA covered the purchase and the rehab on both units and we closed in nine days. After I leased it up they refinanced me into a 30-year DSCR — no tax returns, just the rents. That capital is already in my next deal."
YC
Yolanda C.
Duplex BRRRR · Hialeah
"West Kendall slowed down mid-project and a quick flip stopped making sense. My advisor walked me through pivoting to a DSCR refinance instead of forcing a sale — same house in The Hammocks, now a long-term rental that cash-flows. Honest advice, not just a loan."
AP
Andrés P.
Fix-to-Rent · Kendall
"Insurance and taxes scared off two other buyers, so I negotiated hard on a dated Lauderdale Manors house and needed certainty at the table. Their bridge funded the buy plus a $110K rehab — impact windows, roof, HVAC — and they never re-traded the terms. Closed in 10 days, sold six months later for a $90K spread."
BT
Brian T.
Fix & Flip · Fort Lauderdale
"Light cosmetic BRRRR on an '80s CBS home in a great-schools pocket of Pembroke Pines. Short hard money to buy and refresh, tenant placed in week three, then a DSCR refi at month five that pulled almost all my capital back out. Clear terms, one point of contact, zero surprises."
NF
Natalie F.
BRRRR → DSCR · Pembroke Pines
"Out here we tear down and build elevated to current code — banks don't understand draw schedules, LendingFLA does. They financed the lot and 100% of the vertical budget across scheduled draws on a 14-month build, photos verified remotely, money in two days. Second ground-up with them now."
DK
Doug K.
New Construction · Fort Myers
"I had a contract on a 5-bed pool home in a short-term-rental community near Champions Gate and one week to close. Their bridge got it done in seven days; once it was furnished and booking, they refinanced me into a DSCR underwritten on the vacation-rental income. Exactly the partner this strategy needs."
DR
Daniela R.
STR / DSCR · Davenport–Orlando
"Seminole Heights bungalows move fast and so did they — funded a $250K purchase plus $65K reno on a higher-elevation lot, and the draws never held up my crew. Sold to a young couple at $450K within the term. Third deal together; I don't shop lenders anymore."
MR
Marcus R.
Fix & Flip · Seminole Heights, Tampa
"Building in Lakewood Ranch is all about the draw schedule and the insurance line. LendingFLA structured a 24-month construction loan at 85% of cost with 100% of the build in draws, then refinanced me into a DSCR to hold it. They underwrote the deal the way I actually run it."
GW
Greg W.
New Construction · Lakewood Ranch, Sarasota
"As a foreign investor with no US tax returns, every bank turned me away. LendingFLA placed me in a DSCR program that qualified on the condo's rent alone and closed a Brickell unit without the runaround. Now I'm building a small Miami portfolio with them."
CL
Carolina L.
Foreign National DSCR · Brickell, Miami
