FL · West Palm Beach
Bridge, Flip & Construction
Loans in West Palm Beach, FL
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in West Palm Beach, $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 West Palm Beach and across Palm Beach County. We write bridge loans, fix & flip loans and ground-up construction loans from $1M to $5M, plus renovation financing and DSCR loans for the hold. Term sheets go out in 24 to 48 hours, and a clean file closes in about two weeks.
Typical deals in the county are renovations of older single-family houses in the historic neighborhoods of West Palm Beach and Lake Worth Beach, teardowns replaced with new spec homes, and small 2-4 unit and multifamily buildings bought to reposition and rent. The $1M to $5M range fits both a single higher-value flip or new build and a small portfolio of rentals.
West Palm Beach is the northern end 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). Latin American and Caribbean buyers made up 64% of the metro's international buyers and Europeans 14%. A foreign national borrows here on the same terms as a US investor, through a US LLC, with no US credit history required.
Palm Beach County is outside the High-Velocity Hurricane Zone that covers Miami-Dade and Broward, so the stricter HVHZ product approvals do not apply here, although the Florida Building Code wind requirements still do. Deeds carry the statewide documentary stamp tax of $0.70 per $100. Near the Intracoastal and the coast, we check flood zone status early because of the FEMA 50% substantial-improvement rule.
West Palm Beach Market Highlights
Historic-district renovations
Fix & flip and renovation loans up to 90% of cost for older houses in established neighborhoods, with funds released in draws as work is completed.
Teardown and spec builds
Construction loans up to 85% of cost to replace a dated house with new product, a common play close to the water.
Outside the HVHZ
Unlike Miami-Dade and Broward, Palm Beach County is not in the High-Velocity Hurricane Zone, which affects which window, door and roofing products a rehab can use.
Statewide deed stamps
Documentary stamp tax on deeds is $0.70 per $100 of the price in Palm Beach County, the standard Florida rate.
Bridge, then DSCR
Bridge loans up to 80% LTV to close quickly, then a DSCR loan up to 80% LTV once the property is leased.
European and Latin American buyers
The South Florida metro is the main destination for Florida's international buyers. They borrow on the same terms as US investors.
Key Submarkets
Northwood
Flamingo Park
El Cid
Grandview Heights
Northboro Park
Riviera Beach
Lake Worth Beach
Lantana
Palm Beach Gardens
Jupiter
Boynton Beach
Delray Beach
Property Types We Finance
Single-Family
Spec Homes
Teardown & Rebuild
2-4 Units
Condos & Townhomes
Small Multifamily (5-9 Units)
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 West Palm Beach from outside the US
If you are buying in West Palm Beach 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 get a construction loan in West Palm Beach?
Yes. The loan is made to a US LLC and underwritten on the land, the plans, the budget and the projected value. No US credit history or Social Security number is required, and the terms are the same as for a US investor: up to 85% of total cost, from $1M to $5M.
Do the Miami-Dade hurricane code rules apply in Palm Beach County?
Not the High-Velocity Hurricane Zone provisions, which apply only in Miami-Dade and Broward. Palm Beach County follows the statewide Florida Building Code wind requirements. Your contractor's budget should reflect the correct standard, and we review it before approving the rehab or construction draws.
How fast can you close a bridge loan in West Palm Beach?
We send a term sheet within 24 to 48 hours, and a clean file closes in about two weeks. Our fee is 1% to 2% of the loan, paid at closing, with no upfront fees.
Learn More
Bridge Loans
Short-term financing up to 80% LTV to buy quickly and refinance later.
Construction Loans
Ground-up financing up to 85% of cost for spec homes and build-to-rent.
Do you need US credit to get a US investment property loan as a foreigner?
Why a non-US investor can borrow without a US credit history.
Other Cities in Florida
We also finance investors across other Florida markets.
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