Hard Money

Vacant Land Hard Money in Fort Lauderdale, FL

What is a Vacant Land Hard Money? Vacant Land Hard Money is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Fort Lauderdale, FL.

CMRE's Vacant Land Hard Money Loan provides fast financing for land purchases and development. Custom Mortgage arranges Vacant Land Hard Money financing in Fort Lauderdale, FL and across Broward County, including Las Olas and Victoria Park. Broward County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Broward County at $414,600, $418,150 below that one-unit limit.

Median household income there is $77,633 and 64% of homes are owner-occupied (Census ACS 2024).

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Key Facts About Vacant Land Hard Money

CMRE hard money loans fund in as fast as 7 business days.

Hard money loans from CMRE require 20-35% down payment.

CMRE hard money programs accept properties that conventional lenders decline.

CMRE hard money loans cover fix-and-flip, bridge, and ground-up construction.

CMRE Vacant Land Hard Money funds in as few as 7 business days.

CMRE Vacant Land Hard Money is asset-based — property value drives qualification.

CMRE Vacant Land Hard Money LTV ranges from 65% to 90% ARV.

Program Benefits

Fast and efficient funding for vacant land acquisition and development.

Flexible loan terms to match your project's specific needs.

Competitive rates.

Simplified approval process compared to traditional lenders.

Ideal for short-term financing and bridge loans.

Leverage your land investment with up to 70% Loan-to-Value (LTV).

Program Highlights

Max LTV

70%

Min Credit Score

600

Max DTI

N/A (Hard money loans typically do not use DTI)

Loan Amount Range

$50K - $5M

Amortization Options

6 Months12 Months18 Months24 Months

Eligible Properties

  • Residential Land
  • Commercial Land
  • Industrial Land
  • Agricultural Land

Program Requirements

Income Documentation

  • •Demonstrated ability to repay the loan based on project pro forma or other income sources.
  • •Sufficient cash flow to cover debt service.
  • •Alternative income documentation may be considered.

Asset Verification

  • •Down payment or equity in the project.
  • •Other liquid assets available for project costs.
  • •Clear title to the vacant land being financed.

Insurance & Title

  • •General liability insurance covering the property.
  • •Builder's risk insurance during construction (if applicable).
  • •Property insurance to protect against damage or loss.

Property Requirements

  • •Minimum FICO score of 600.
  • •Review of credit history for serious derogatory marks.
  • •Consideration of overall credit profile.

Vacant Land Hard Money in Fort Lauderdale: The Complete Guide

What Is Vacant Land Hard Money?

Vacant land hard money loans are short-term financing solutions designed for investors and developers looking to acquire or develop land quickly. Unlike traditional mortgages, these loans are asset-based, focusing on the value of the land and the potential for future development rather than the borrower's creditworthiness or income. This makes them an attractive option for those who may not qualify for conventional financing.

Who Uses Vacant Land Hard Money?

  • •Fix-and-flip investors needing fast acquisition and rehab capital.
  • •Bridge borrowers financing between a sale and a purchase.
  • •Auction buyers needing proof of funds and rapid closing.
  • •Property owners facing foreclosure who need emergency refinancing.
  • •Investors purchasing non-conforming properties traditional lenders won't finance.

Vacant Land Hard Money Terms and Structure

  • •LTV: 65%-80% as-is value or 70%-90% ARV for fix-and-flip.
  • •Terms: 6 months to 3 years — designed as short-term bridge.
  • •Interest rates depend on LTV, condition, borrower experience.
  • •Interest-only payments standard. Exit strategy required.
  • •CMRE funds in as few as 7 business days.

Get Vacant Land Hard Money from CMRE

  • •Step 1: Submit property details — address, price, value estimate, scope of work.
  • •Step 2: CMRE issues term sheet within 24-48 hours.
  • •Step 3: Appraisal or BPO — fast-track available.
  • •Step 4: Underwriting on property value and exit strategy.
  • •Step 5: Funding in as few as 7 business days.

National Rate Index (Freddie Mac PMMS)

30-Year Fixed Rate

7.18%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Broward County

$2,429/mo

Based on $448,250 median · 20% down · P&I only

15-Year Fixed Rate

6.57%

as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05

Est. Monthly Payment in Broward County

$3,138/mo

Based on $448,250 median · 20% down · P&I only

Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.

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Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).

Broward County at a glance

Conforming loan limit (1 unit)
$832,750
Source: FHFA, 2026
Conforming loan limit (4 units)
$1,601,750
Source: FHFA, 2026
Median owner-occupied home value
$414,600
Source: Census ACS 5-year, 2024
Median household income
$77,633
Source: Census ACS 5-year, 2024
Owner-occupied homes
64%
Source: Census ACS 5-year, 2024
Home value to income ratio
5.3
Source: Census ACS 5-year (computed), 2024

Market Snapshot: Broward County

Source: Redfin · 2026-01-31

Median Sale Price

$448,250

-2.6% YoY

Median List Price

$429,950

Price / Sq Ft

$295.043

Days on Market

105

Active Listings

15,788

Homes Sold

1,605

Sale-to-List Ratio

94.9%

2026 Conforming Loan Limits: BROWARD

1-Unit (SFR)

$832,750

2-Unit (Duplex)

$1,066,250

3-Unit (Triplex)

$1,288,800

4-Unit (Fourplex)

$1,601,750

Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.

Local Market Insights

Vacant Land Hard Money in Fort Lauderdale, FL

Median Home$619,500
Population2.0M
MarketBuyer's Market — Condo Caution
Median Income$77,633
Homeowners64%
Median Rent$1,907/mo

Broward County is showing the most elevated inventory levels among our Florida markets, with 15,788 active listings producing a 105-day average days on market — the longest in our entire national data set. The median sale price of $448,250 is down 2.6% year-over-year, and the 94.9% sale-to-list ratio tells us that sellers are making meaningful concessions to move properties. This is a buyer's market by any objective measure.

The structural story is more nuanced than the headline numbers suggest. Fort Lauderdale's urban core, Weston's family neighborhoods, and the eastern coastal communities continue to attract strong demand from domestic relocators and international buyers. The correction is concentrated in the condo segment, where special assessment risk and elevated HOA fees are creating pricing pressure. For single-family home buyers, the 105-day DOM environment means there is no urgency premium — you can be selective, negotiate hard, and still lock competitive conventional financing within the $806,500 conforming ceiling.

Broward County's buyer mix is among the most diverse we encounter across all markets. Domestic relocation from New York and New Jersey, international buyers from Latin America and Europe, and South Florida move-up buyers from Miami-Dade all converge here. Non-QM and foreign national loan programs are active product categories; we see a significant volume of ITIN borrowers and non-US-citizen permanent resident applications. W-2 conventional volume is also strong from Broward's healthcare and professional services employment base.

Loan Officer Insight

Avoid condo buildings with pending special assessments — require a condo questionnaire before writing an offer and have your lender confirm warrantability.

Service Areas & Neighborhoods

Las OlasVictoria ParkCoral RidgeLauderdale-by-the-SeaPlantationWeston333013330433308

Our Fort Lauderdale Presence

Local Knowledge. Global Rates.

200 S Biscayne Blvd

Miami, FL 33131

Direct Line

877-976-5669
View All FL Locations

Application Process

Six simple steps from application to funding

STEP 1

Application

Complete our streamlined online application form with your financial information

STEP 2

Document Review

Submit required documentation for verification and processing

STEP 3

Pre-Approval

Receive conditional approval and loan terms based on your profile

STEP 4

Title & Escrow

Open escrow and complete title search and insurance requirements

STEP 5

Appraisal & Final Review

Property appraisal completed and final underwriting approval received

STEP 6

Funding

Sign final documents and receive your loan funds

Why Choose Custom Mortgage?

Your trusted partner in real estate financing

Extensive Experience

Over 25 years of proven expertise in mortgage lending and real estate financing

Comprehensive Loan Options

Wide range of programs from conventional to specialized non-QM and hard money solutions

Nationwide Coverage

Licensed in multiple states with the ability to fund loans across the country

Flexible Solutions

Customized financing options for unique situations that traditional lenders decline

Competitive Rates

Access to wholesale pricing and volume discounts passed directly to our clients

No Upfront Fees

Transparent pricing with no application fees or upfront costs to get started

Not Sure Which Program Fits?

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Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.

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Step 1: Loan Foundation

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Mortgage Estimator

Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.

Estimated Monthly Payment
$2,275

Principal & Interest Only

Common Questions About Vacant Land Hard Money in Fort Lauderdale

Yes. CMRE finances raw, unimproved land including agricultural acreage, desert parcels, and wooded lots. LTV is typically 50-65% for raw land, based on appraised or purchase value.

LTV ranges from 50% for raw unentitled land to 70% for entitled or improved lots. Higher LTVs may be available for land with approved plans and permits.

No. CMRE finances land purchases for holding, speculation, and future development. Having a clear exit strategy (build, subdivide, or resell) improves your terms but is not required.

The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Vacant Land Hard Money rates in Fort Lauderdale vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.

Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The Broward County market has seen home prices fall 2.6% year-over-year — buyers currently have more leverage, but rate locks still protect you from market moves.

CMRE funds hard money and bridge loans in Fort Lauderdale in as fast as 7 business days. Experienced investors in Broward County with strong equity positions may qualify for expedited underwriting.

Vacant Land Hard Money from CMRE in Fort Lauderdale typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in Broward County may access higher leverage with track record documentation.

See all Vacant Land Hard Money questions and program details

Vacant Land Hard Money by Location

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Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995

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