Florida
Hard money lenders in Florida
Fix and flip, DSCR rental, new construction and bridge loans for real estate investors in Florida, from a direct private lender. Term sheet in about 2 hours on average; most loans close in 5–10 business days.
Loan programs
What we lend on in Florida
Business-purpose loans for real estate investors only. Close in your LLC or other entity.
| Program | Rates | Leverage | Term |
|---|---|---|---|
| Fix & flip | From 8.75% | Up to 90% of cost | 12–24 months |
| DSCR rental | From 6.75% | Up to 80% LTV | 30-year fixed |
| New construction | From 8.75% | 85–90% of cost | 12–24 months |
| Multifamily | From 8.0% | Up to 75% LTV | 1–10 years |
Terms are subject to underwriting, appraisal, title, and insurance.
Recent closes
Deals we have closed in Florida
- We recently closed a DSCR cash-out refinance in Dunedin, FL in 7 business days.
- We recently closed a ground-up construction loan in Belleair, FL in 10 business days.
Market snapshot
The Florida investor market at a glance
Public market data, each figure linked to its source. It describes the market, not our loan terms.
| Measure | Figure | Source |
|---|---|---|
| Typical home value, statewide (Zillow ZHVI) | $375,361 (-0.9% year over year) | files.zillowstatic.com, 2026-09-30 |
| Population change (Census Vintage 2025) | 23,462,518 residents, +196,680 (0.8%) Jul 2024-Jul 2025 | census.gov, 2025-07-01 |
| New single-family homes permitted (Census Building Permits Survey, annual) | 111,173 in 2025 (2024: 123,359; -9.9%) | www2.census.gov, 2025 (annual) |
| New 2-4 unit homes permitted (Census BPS, annual) | 4,049 units in 2025 | www2.census.gov, 2025 (annual) |
| Effective property tax rate, owner-occupied homes (Tax Foundation, Census ACS) | 0.78% | taxfoundation.org, 2024 (ACS; published 2026) |
| Foreclosure process (predominant) | Judicial | nolo.com, accessed 2026-11-04 |
| Rent control | State law bars any local rent control: "may not adopt or maintain in effect any law, ordinance, rule, or other measure that would have the effect of imposing controls on rents" (F.S. 125.0103(2)) | leg.state.fl.us, 2026 Florida Statutes |
| Net international migration (Census Vintage 2025) | 178,674, highest of any state (Jul 2024-Jun 2025) | census.gov, 2025-07-01 |
Data gathered 2026-11-04.
How it works
From application to funded
Send the deal
Property, price, rehab or build budget, and your track record. The application takes about five minutes.Get real terms
A written term sheet in about 2 hours on average.Close
Most loans close in 5–10 business days. Draws are typically funded within 1 business day.
Florida
Lending in Florida's major investor markets
Questions
Investor loans in Florida: common questions
Do you make hard money loans in Florida?
Yes. We make business-purpose loans to real estate investors in Florida and across 45 states: fix and flip, DSCR rental, new construction and bridge loans from $75K to $5M.
How fast can you close a loan in Florida?
Most loans close in 5–10 business days, depending on the appraisal, title and insurance. You get a written term sheet in about 2 hours on average.
Can I borrow in my LLC?
Yes. Most of our borrowers close in an LLC or other business entity, and we encourage it.
Do you lend to homebuyers or on a home I will live in?
No. We lend only to real estate investors on investment property, never on a primary residence.
Is Florida a judicial or non-judicial foreclosure state?
The usual process in Florida: judicial. It affects how long distressed and auction properties take to reach the market, so check timelines with a local title company or attorney.
Have a deal in Florida? Get a term sheet in about 2 hours on average.
Apply now