Connecting Industrial Warehouse Owners with Hard Money Lenders

Industrial Warehouse Owners in Miami, FL

Connecting industrial warehouse owners with participating hard money lenders in Miami, FL. Loan programs available through our lending partners.

Miami-Dade County's industrial real estate market is one of the most supply-constrained logistics markets in the United States. The county's geography — bounded by the Everglades to the west, the ocean to the east, and Broward to the north — limits industrial land availability in a way that most inland U.S. markets don't face. Combined with Miami's role as the gateway to Latin American and Caribbean trade, and its position as PortMiami's logistics hub, industrial warehouse demand in Miami-Dade runs consistently ahead of supply.

The investors and business owners who own industrial warehouse property in Hialeah, Medley, Doral, and the Airport West corridor are sitting on some of the strongest commercial real estate fundamentals in the southeastern United States. Many of these property owners — Cuban-American, Venezuelan, and Colombian entrepreneurs who purchased industrial property when it was affordable — have significant equity but face documentation challenges with conventional commercial lenders.

At Hard Money Loans of Miami, we provide industrial warehouse financing using asset-based underwriting. The property's location, income, and market fundamentals drive the loan approval. ITIN borrowers, Florida LLC structures, and foreign-national ownership are part of our normal industrial portfolio.

Hialeah and Medley industrial acquisition financing is the core volume segment of our industrial portfolio. Properties along Okeechobee Road, the Palmetto Expressway industrial corridor, and the Medley logistics cluster trade at $150-$250 per square foot for older clear-height warehouse and $200-$300+ for modern multi-dock facilities. These properties generate stable, long-term tenancies from logistics, manufacturing, and distribution operators who value the Hialeah-Medley location for I-75 access and proximity to MIA. We fund industrial acquisitions in 10-14 days.

Airport West industrial acquisition and refinancing serves the highest-demand corridor in Miami-Dade industrial. Properties within the NW 36th Street and Flagler Street industrial zone, adjacent to Miami International Airport, command the county's highest industrial rents due to airfreight-oriented logistics tenant demand. Investors who own Airport West industrial property have some of Miami's most durable commercial real estate assets. We provide cash-out refinancing and acquisition financing for this corridor.

Doral corporate business park acquisition serves the international corporate tenant base — Venezuelan holding companies, Colombian trading firms, Argentine exporters — that occupies Doral's flex-industrial and business park inventory. These properties generate stable, office-quality rents from tenants who value the Doral address and proximity to MIA. We finance Doral industrial and flex-commercial acquisitions for investors who understand this tenant profile.

Wynwood and Allapattah industrial-to-creative conversion bridge financing is the repositioning play in our industrial portfolio. Older warehouse properties in these corridors are being acquired and converted to creative office, live-work, and adaptive-reuse mixed-use. We bridge acquisition and conversion for investors executing these value-creation strategies.

Environmental assessment is a mandatory step in Miami-Dade industrial lending. The Hialeah-Medley industrial corridor, the Airport West zone, and older industrial properties throughout the county have operating histories that require Phase I environmental assessment before we commit. Properties with recognized environmental conditions identified in a Phase I require Phase II investigation before financing can proceed. We do not skip this step.

Industrial property insurance in Miami-Dade includes wind coverage that adds operating expense relative to non-coastal markets. Large flat-roof industrial buildings are expensive to insure against hurricane wind damage, and insurance costs affect NOI and DSCR coverage. We model accurate Miami-Dade industrial insurance costs into every deal analysis.

Foreign-national industrial ownership — common in Miami-Dade given the county's Latin American business community — creates documentation challenges with conventional commercial lenders that our asset-based approach resolves.

Hard Money Loans of Miami evaluates industrial warehouse loans based on the property's location fundamentals (highway access, MIA proximity, port access), building specifications (clear height, dock doors, column spacing, floor load), tenant quality and lease structure, and the overall income and DSCR profile. We do not require personal income tax returns or domestic employment history from the borrower.

We engage commercial appraisers who specialize in Miami-Dade industrial and understand the submarket premiums for Airport West, Hialeah-Medley, and Doral logistics product. Accurate industrial valuation in these specific corridors is critical to appropriate loan sizing.

Hard Money Loans of Miami finances industrial and warehouse properties across Miami-Dade County's industrial corridors: Hialeah and Medley for the primary logistics and light-manufacturing cluster; Airport West and the NW 36th Street airfreight corridor; Doral for corporate flex-industrial and business park; and Allapattah and Wynwood for industrial-to-creative adaptive-reuse.

Frequently Asked Questions

Do you fund industrial property loans for foreign-national investors in Miami-Dade?

Yes. Miami-Dade industrial property ownership by Venezuelan, Colombian, Cuban-American, and international investors is a meaningful segment of our portfolio. We evaluate industrial properties based on location fundamentals, building specifications, tenant quality, and DSCR coverage. The borrower's nationality and domestic income documentation do not drive the underwriting decision. A Florida LLC, a Phase I environmental assessment, and a property that covers its debt service are the foundation of the transaction.

Is environmental assessment required before you fund an industrial property loan in Miami-Dade?

Yes, always. Phase I environmental site assessment is required for all industrial property acquisitions and refinancings in our program. Miami-Dade industrial properties — particularly in Hialeah, Medley, and the Airport West corridor — have operating histories that require environmental due diligence before we commit capital. If a Phase I identifies recognized environmental conditions requiring Phase II investigation, we evaluate the situation before proceeding. This due diligence protects both the borrower and the lender.

What industrial building specifications are most important for loan underwriting in Miami-Dade?

Clear height, dock door count, column spacing, floor load capacity, and office-to-warehouse ratio are the primary building specifications we evaluate. Miami-Dade's logistics tenant market demands minimum 24-28 foot clear height for modern distribution use, adequate dock doors for high-throughput operations, and column spacing that accommodates rack storage. Buildings that meet modern logistics specifications command materially higher rents and lower vacancy than older commodity warehouse, which affects both LTV and DSCR underwriting.

Can I get cash-out refinancing on Miami-Dade industrial property to fund a new acquisition?

Yes. Cash-out refinancing on appreciated Miami-Dade industrial property is a common portfolio growth strategy. Airport West and Hialeah industrial properties have appreciated significantly over the past decade, and owners who purchased before that appreciation cycle hold substantial equity. We structure cash-out refinances at 60-65% LTV on stabilized industrial properties. Proceeds can fund a new acquisition, a conversion project, or business operating capital.

How do Miami-Dade industrial properties perform on DSCR underwriting?

Miami-Dade industrial properties with long-term net leases to stable logistics and manufacturing tenants generally perform well on DSCR underwriting. Industrial net leases — where the tenant pays operating expenses including insurance and taxes — produce higher DSCR ratios than gross-leased properties at the same rent level. Airport West and Hialeah industrial with stabilized tenancies typically show DSCR of 1.2x-1.5x at current market rents and loan rates, supporting conventional hard money leverage levels.