Hard Money Loans

Asset-based short-term loans for Florida real estate investors. Fast closing, minimal documentation, based on property value not borrower income.

Key Features

• Close in 7-14 days (fastest available)
• Based on property value (ARV), not borrower income
• Minimal documentation required
• 65-75% LTV typical
• 12-18% interest rates typical
• 1-3 points origination fee
• 6-24 month terms
• Interest-only payments

Who Is This For?

• Fix-and-flip investors who need fast capital
• Developers purchasing distressed properties
• Auction buyers who need immediate funding
• Investors who can’t qualify for traditional financing

Florida-Specific Considerations

• Florida’s active fix-and-flip market (especially Miami, Orlando, Tampa)
• Hurricane-damaged properties often require hard money for fast acquisition
• Florida’s $0 state income tax benefits flip profits
• Exit strategy required: sell or refinance into permanent financing