Florida Hard Money Loans

Hard Money Loans in Florida

Florida is my primary market. I fund fix and flip, bridge, and EMD loans across the state. Same day decision. My own capital.

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Why Florida First

I Am Based Here

I am based in Florida. When a deal comes through from Tampa or Lakeland or Fort Myers, I am not running it through a national underwriting engine in a state that has never seen a Florida flip. I pull comps myself. I know the seasonal pricing cycles. I know the flood zone and insurance premium math that kills deals for out of state lenders.

Most national hard money lenders do not show up in Florida specific search results because they do not focus here. The Florida flip market is large, active, and underserved by lenders who actually know the state. I do.

Florida Markets

Markets I Fund in Florida

Tampa Bay

Tampa, St. Pete, Clearwater, Pinellas Park, Dunedin, Tarpon Springs

Orlando Metro

Orlando, Kissimmee, Lakeland, Ocala, Deltona, Daytona

South Florida

Miami, Fort Lauderdale, West Palm Beach, Pompano Beach, Boca Raton

Northeast Florida

Jacksonville, Fleming Island, Orange Park, St. Augustine, Fernandina Beach

Southwest Florida

Fort Myers, Cape Coral, Naples, Sarasota, Bradenton, Port Charlotte

Loan Programs

What I Fund in Florida

Fix and Flip

Amount$75K to $500K
Purchase85% of purchase price
Rehab100% of rehab budget
Term6 to 18 months
Close5 to 10 business days

I understand Florida's insurance environment. Flood zones and high wind corridors need coverage in the underwrite before closing, not after.

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Bridge Loan

LeverageUp to 70% LTV
Close7 business days
Term3 to 12 months
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EMD Funding

Amount$5K to $100K
Funding Speed48 to 72 hours
Term30 to 90 days
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New Operators

New to Flipping in Florida?

Florida has a specific deal environment. The insurance market is expensive. The investor comps are sometimes thin in smaller markets. The seasonal sale cycle affects how long it takes to sell after a rehab. I have funded operators with zero prior deals in Florida and I have watched them close profitable flips. What it takes is a deal that actually pencils, not a trophy wall. Send me the scenario. I will tell you straight.

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Florida FAQ

Florida Questions

Based in Florida. This is where I operate, where I started, and where I do the most volume.
Yes. Lakeland, Ocala, Fort Myers, Cape Coral, Palm Bay, Gainesville, Port Charlotte. If the deal comps, the market does not disqualify it.
Yes. I account for flood zone, windstorm, and builder's risk coverage in the underwrite. Borrowers new to Florida often miss this. I flag it before closing.
Most national lenders do not show up on Florida searches or in Florida investor communities. The Florida first lenders tend to be stronger on local market knowledge. I am one of them.
Ready When You Are

Send Me Your Florida Deal

Property address, purchase price, estimated rehab, and exit. Same day response.

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