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private money Loan

  • Borrowers may be able to close in as little as 10 days from the time they sign our disclosure package which lays out the terms in black and white.

  • We lend up to 100% of purchase price when it makes sense. Construction draws are sometimes available on homes with excellent ARV potential.

  • We lend up to 80% Loan-to-Value (LTV) on cash-out refinances. We use multiple factors to establish current value.

  • Borrowers may be able to get 24-48 hour approvals with no minimum credit score requirements.

  • We can provide price quote and loan amount estimates within 24 hours of our initial phone conversation.

  • We lend on Investment Properties, Commercial Properties, and Primary Residences.

  • Primary residence loans are available with 50% down or 50% LTV.

  • We offer 2 year balloon terms and shorter options.

  • There is between a 0-12 month prepayment penalty depending on multiple factors.

  • Renewals are sometimes available after the end of the loan term without having to close a second time.

  • The maximum loan amount is $1 Million. We get more conservative with underwriting above 300K.

  • Blanket loans on multiple properties are available.

  • Foreign Investors are OK with a seasoned US bank account and a Florida S Corp or LLC.

  • Pre-Approval letters along with PROOF OF FUNDS are available after receiving a full application and the delivery of all other needed items (i.e. 2 full bank statements or tax return, ID, and name of insurance agent).

  • Borrowers must guarantee the loans personally.

  • Borrowers must insure the property. Wind insurance is required. Flood is not required in all cases.

  • Investment opportunities for private lenders are available. Call our team for details.

  • Learn about our Fix and Flip loan programs.

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