Where We Lend - Florida

Rental loans in Florida.

Long-term rental financing on Florida property, qualified on the cash flow the property produces rather than personal tax returns.

01 - Florida Rental Files We Fund

The property carries the loan.

Insurance is the swing line item in a Florida rental's PITIA - premiums vary block by block and year by year. A Florida DSCR file with a real, current insurance quote reads faster and prices truer than one built on a guess.

Business-purpose loans secured by real estate in Florida. Eligibility is driven by the use of proceeds, the property, and the deal - including owner-occupied scenarios where state law permits.

RENTAL
Stabilized rentals

Long-term financing for rental property, qualified on the property cash flow rather than personal tax returns.

REFI
Rate-and-term and cash-out refinances

Refinance a stabilized rental, or take equity out of one, on long-term rental terms.

PORT
Portfolios

Financing across multiple rental properties for investors building a book rather than closing a single file.

EXIT
Bridge takeouts

The long-term exit for a bridge loan, kept with the same team and one point of contact.

02 - File Review

One team from the bridge loan to the rental exit.

A rental file is read on what the property earns. Send the address, the loan amount, the value, and the monthly rent, and we will tell you where it lands.

When a Florida bridge loan needs a long-term takeout, the rental file stays with the same team and one point of contact.

What a Rental File Includes
  • Property address
  • Requested loan amount
  • Purchase price or current value
  • Monthly rent
  • Unit count
  • Annual taxes, insurance, and any HOA
03 - How We Lend Here

Business purpose, where permitted.

01
Licensing follows the property

Licensing obligations are determined by the state in which the property securing the loan is located, not by where we are based. We originate outside California only where we are permitted to do so. See Licensing & Disclosures.

02
Business-purpose only

Loans are for business purposes only. Eligibility is determined by the use of proceeds, underwriting, documentation, and applicable law.

03
The acquisition, same team

For the acquisition or the reposition that comes first, see our hard money bridge loans.

Put a Florida rental file in front of us.

Send the address, the amount, the value, and the monthly rent.