Florida is my primary market. I fund fix-and-flip, bridge, and EMD loans across the state. Same-day decision. My own capital.
I'm based in Florida. When a deal comes through from Tampa or Lakeland or Fort Myers, I'm not running it through a national underwriting engine in a state that's 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 don't show up in Florida-specific search results because they don't focus here. The Florida flip market is large, active, and underserved by lenders who actually know the state. I do.
Tampa · St. Pete · Clearwater · Pinellas Park · Dunedin · Tarpon Springs
Orlando · Kissimmee · Lakeland · Ocala · Deltona · Daytona
Miami · Fort Lauderdale · West Palm Beach · Pompano Beach · Boca Raton
Jacksonville · Fleming Island · Orange Park · St. Augustine · Fernandina Beach
Fort Myers · Cape Coral · Naples · Sarasota · Bradenton · Port Charlotte
Florida has a specific deal environment. The insurance market is expensive. The investor comps are sometimes thin on smaller markets. The seasonal sale cycle affects how long it takes to sell after a rehab. I've funded operators with zero prior deals in Florida and I've watched them close profitable flips. What it takes is a deal that actually pencils — not a trophy wall. Send me the scenario. I'll tell you straight.
Property address, purchase price, estimated rehab, and exit. Same-day response.