Hard Money Lender in
Direct hard money loans for Tampa and Orlando real estate investors: bridge loans that close like cash, fix and flip loans that fund the renovation, ground-up construction, and 30-year DSCR rental loans. Instant term sheet, close in 2 weeks.
Tampa, St. Petersburg and Orlando anchor the fastest-growing corridor in Florida, with a large stock of 1950s to 1980s housing and a rental market that keeps pace with the people moving in.
Tampa Bay and Orlando: the I-4 corridor is a renovation market.
Cash-only listings on the I-4 corridor are usually older block houses in Tampa, St. Petersburg, Pinellas Park and Lakeland, and in the Orlando neighborhoods and Kissimmee, that need a full update. The fix and flip loan funds the purchase and the budget together at 10% down with experience and pays the work in draws; the bridge loan closes the purchase that will not wait. Instant term sheet, close in 2 weeks.
Central Florida is a good coverage market: rents are strong against purchase prices that are still moderate, so the DSCR loan usually carries a single-family rental or a small multifamily building. Insurance is the line to price early anywhere in Florida. The takeout comes from the same team that closed the bridge, and every corridor listing in our book is priced on these programs at its list price.
Cash and hard money listings in Tampa and Orlando right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse Tampa, St. Petersburg, Clearwater, Brandon, Largo, Lakeland, or every Florida opportunity. Sign in to see the street addresses and the pricing on each one.
No Central Florida listings are in the book at this moment. New ones land every day; see the Florida deals.
We are the lender, not the listing agent. Every listing belongs to its agent, credited on the listing page. Browsing is not a commitment to borrow from us.
Every stage of a Central Florida deal.
Buy like cash or refinance maturing debt on Central Florida investment property. 12 months, interest only. Bridge loans.
Purchase plus renovation in one loan, 10% down with experience, drawn as the work completes. Fix and flip loans.
Land and the build for builders with completed projects. Construction loans.
Term loans on the buildings a rental program will not take. Commercial lending in Florida.
Starting rates, points, down payment and score requirements, program by program. See the rates.
From a Central Florida address to the wire.
- Price it. Type the Central Florida deal into Price a Deal: address, price, renovation budget, your score and experience. The program, the rate and the maximum loan come back in a minute.
- Request the term sheet. It issues instantly, from our own sizing.
- Send the file. Contract, entity documents, insurance, budget or rent roll. The appraisal is ordered the same day.
- Close in 2 weeks. Title and escrow set the pace; the decision is already made.
Hard money in Central Florida, answered straight.
How fast can a hard money loan close in Central Florida?
Every Central Florida deal gets an instant term sheet and closes in 2 weeks. Decisions are made in-house, so title, escrow and the appraisal set the pace, not a committee.
What does a hard money loan cost in Central Florida?
Fix and flip and bridge loans start at 9.75% interest only with 1.5 points. The rates and requirements page lists every program; Price a Deal quotes your own Central Florida deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in Central Florida?
Yes. Our fix and flip loan funds the purchase and the renovation together: 10% down with at least one completed project in three years, 20% on a first flip, the renovation paid in draws as the work completes.
Do you offer DSCR rental loans in Central Florida?
Yes. DSCR loans in Florida are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. Central Florida rents cover well against moderate prices; insurance is the line to price early.
Which Central Florida areas do you lend in?
Tampa, Brandon and Riverview; St. Petersburg, Clearwater, Largo and Pinellas; Lakeland, Plant City and Winter Haven; Orlando, Winter Park, Apopka and Sanford; Kissimmee and Deltona; New Port Richey and Spring Hill. We lend on investment and commercial property anywhere in Florida; see the Florida page.
Working a Central Florida Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.