Real Estate Private Loans in Florida
At Private Lending Florida, we help fund real estate projects in Florida by connecting individuals, investors, developers, and businesses with verified and experienced private lenders. Whether you are acquiring a new property, refinancing an investment, or funding a real estate development project, we help facilitate access to fast, flexible private capital for projects ranging from $1 million to $200 million+.
Our network offers trusted private lending solutions and hard money loans, tailored to a wide range of real estate opportunities. Smaller loan amounts may be considered on a case-by-case basis.
What Is a Private or Hard Money Loan?
A private loan is a real estate-secured loan provided by a non-bank, private lender. These loans are often referred to as hard money loans or as equity-based loans because they are based on the “hard asset” — the property itself, rather than the borrower’s credit score or income.
Unlike traditional banks, private lenders and hard money lenders focus on the value and potential of the property, making these loans ideal for borrowers who need quick approvals, flexible terms, and financing for unconventional or time-sensitive projects.
Loan Programs
We work with private lenders and mortgage lenders who offer a wide array of asset-based lending programs designed for real estate investors and developers:
Residential & Condo Loans: For investment properties including single-family homes, condominiums, and 1-4 units residential buildings. Perfect for fix-and-flip, rental portfolios, or short-term bridge financing.
Commercial Real Estate: Funding for offices, retail centers, industrial spaces, and mixed-use properties. Tailored for acquisitions, repositioning, and development projects.
Multi-Unit Properties: Specialized financing for apartment complexes, duplexes, and larger multi-family buildings. Available for both purchase and refinance.
Land & Construction: Private loans for raw land acquisition, entitlement, site development, and ground-up construction in Miami and throughout Florida.
Fix-and-Flip Projects & Fixer-Uppers: We also facilitate financing for fix-and-flip projects, renovation loans, and fixer-uppers, giving investors access to fast capital for time-sensitive opportunities where traditional banks may fall short.
Airplane Financing : We help borrowers access strategic private financing solutions for the purchase of airplanes and private aircraft. Through our network of experienced private lenders and aviation finance professionals, we connect you with capital partners who understand the specialized nature of aircraft transactions.
Foreign National Mortgages: Real estate financing options for international investors seeking to acquire residential or commercial properties in Florida, without the traditional documentation required by U.S. banks.
Real Estate Investments: Flexible loan programs for experienced and first-time real estate investors across a variety of asset classes and project types.
General Terms
The following details serve as guidelines. Your actual loan terms will be tailored to your specific project and are subject to lender approval. Terms may vary based on factors like your deal structure, project type, value, location, and other relevant details.
Summary
- Interest Rates: from 8% to 14%, depending on the project type, loan amount, and other factors.
- Loan Terms: 3 months to 24 months, with longer-term options available.
- Origination Fees: Typically 1% to 2.5%
- Closing Times: Typically 4 to 12 business days, pending title and appraisal. Larger deals and Construction loans can take up to 28 days.
- Financing available for Fix and Flip projects, non-owner-occupied residential real estate, commercial properties, Aircraft, yachts, and more. Please inquire about your specific project.
Hard Money Loan
- Loan Amount: $500,000 – $100 Million
- LTV: Up to 70%
- Interest Rate: Starting at 9.50%
- Closing Time: 3-12 days
Fix & Flip Loan
- Loan Amount: $500,000 – $20 Million
- LTC: Up to 90%
- Interest Rate: Starting at 8.00%+
- Closing Time: 7-14 days
Rental Investment Loan
- Loan Amount: $500,000 – $50 Million
- LTV: Up to 80%
- Interest Rate: Starting at 8.00%+
- Closing Time: 14-28 days
Ground Up Construction Loan
- Loan Amount: $1 Million – $250 Million+
- LTC: Up to 85%
- Interest Rate: Starting at 9.50%+
- Closing Time: 20-30 days (average)
Commercial Bridge Loan
- Loan Amount: $1 Million – $100 Million+
- LTV: Up to 75%
- Interest Rate: Starting at SOFR + 5%
- Closing Time: 20-30 days
Please note that all amounts, rates, and terms are indicative only and are subject to final approval based on your specific project and the lender’s terms. Each deal is evaluated on a case-by-case basis, as every real estate project is unique. If a lender is interested in your opportunity and wants to submit a loan offer, you will be contacted directly by the private lender or lending company.
Why Borrowers Choose Private Lending
Private lending offers advantages that traditional financing can’t match, especially when timing, flexibility, or unconventional deal structures are involved.
- Asset-Based Decisions: Approval is primarily based on the value and potential of the property, not just personal credit or income.
- Speed and Flexibility: Fast access to capital (often in days), with flexible loan terms and structures.
- Broad Project Scope: Financing available for residential, commercial, multi-unit, land, construction, and unique asset classes.
- Direct Access to Decision-Makers: Your project will be reviewed by experienced private lenders who can evaluate your opportunity and respond quickly and directly if they’re interested.
Ready to Submit your Real Estate Private Loan Application?
Submit your project today through our online form. We will match it with verified and experienced private lenders who will review the opportunity and contact you directly if they’re interested in discussing terms.