Best Hard Money Lenders in Florida (2025 Guide)
Oct 29, 2025
Key Takeaways: Best Hard Money Lenders in Florida
- Discover the best hard money lenders in Florida and how they help investors move fast in competitive markets like Tampa, Orlando, and Miami.
- Understand why Florida hard money loans and private lenders are crucial for fix-and-flip, BRRRR, and bridge loan projects that demand quick closings and flexible terms.
- Learn how to vet and secure funding from trusted Florida private lenders known for transparent fees, strong reputations, and reliable draw schedules.
- Know what to expect with typical hard money loan rates in Florida, common borrower requirements, and loan structures that fit today’s real estate investment strategies.
Florida remains one of the most active real estate investment markets in the country. From South Florida’s coastal rehabs to Central Florida’s fast-moving fix-and-flips and the booming rental markets in Tampa and Jacksonville, investors across the state need capital that can move as fast as they do. That’s why the best hard money lenders in Florida play such a critical role—helping investors close quickly, compete confidently, and keep projects moving forward.
These Florida hard money loans come from private lenders who prioritize property value and deal potential over strict credit requirements. Instead of waiting weeks for bank approval, investors can fund purchases, renovations, or new construction within days. Whether you’re flipping homes, bridging a refinance, or scaling a portfolio of rentals, knowing how to find and work with the right Florida private lenders can be a game-changer for your investing strategy.
In this guide, we’ll cover everything you need to know about hard money lenders in Florida—how they work, what they require, and which companies consistently deliver fast, reliable closings. Use the links below to navigate to any section:
- Understanding Hard Money Loans
- Pros and Cons of Hard Money Loans
- Hard Money Lending Landscape in Florida
- Eligibility and Typical Requirements
- Step-by-Step Guide to Getting a Hard Money Loan in Florida
- How to Vet Hard Money Lenders
- Best Hard Money Lenders in Florida (our curated list)
- Alternative Financing Options
- FAQs About Hard Money Lenders in Florida
- Final Thoughts on Hard Money Lenders in Florida
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Understanding Hard Money Loans
For investors in Florida’s competitive housing market, speed is often the difference between landing a profitable deal and losing it. Traditional banks can take weeks to approve financing, but hard money loans let you move fast. These loans are issued by private lenders who base their decisions primarily on the property itself rather than your personal finances. This type of funding—known as asset-based lending—makes it possible to close in days, not months.
In Florida, these short-term loans are especially popular among fix-and-flip investors, rental rehabbers, and developers taking on new construction in growth markets like Tampa, Miami, and Orlando. The lender evaluates your property’s after-repair value (ARV), your renovation plan, and your exit strategy—whether that’s selling, refinancing, or holding as a long-term rental. If the numbers make sense, you can often get funded even if your credit score isn’t perfect.
Hard Money Loan at a Glance
- Definition: A short-term, asset-based loan secured by real estate, used for projects like fix-and-flips, bridge loans, or rental rehabs.
- Typical Interest Rate: Around 9%–14%, depending on property type, borrower experience, and risk level.
- Loan Term: Usually 6–24 months, often interest-only with a balloon payment at maturity.
- Collateral: The property itself secures the loan—credit history is a secondary factor.
- Funding Speed: Many Florida hard money lenders can close in 7–10 days; some offer same-week approval.
Here’s a quick example: suppose you find a property in Jacksonville worth $100,000 in its current condition and estimate it will be worth $200,000 after renovations. A lender offering up to 70% of the after-repair value (ARV) could provide about $140,000. That’s enough to cover the purchase price and part of the rehab, while you contribute the remaining funds or leverage a secondary loan. This structure gives you strong leverage without waiting for a bank’s slow approval process.
What sets Florida private lenders apart from traditional institutions is their flexibility. They’ll review your project plan, contractor bids, and comps to determine feasibility—rather than focusing solely on W-2s or tax returns. Well-prepared investors who present clear budgets and realistic timelines tend to receive faster approvals and better loan terms.
Florida Snapshot
Hard money lending is a major driver of Florida’s real estate economy. Top lenders such as Kiavi and BridgeWell Capital offer competitive programs with leverage up to 90% LTC and optional 100% rehab financing for experienced flippers. Regional firms like EquityMax and LendingOne specialize in fast closings for deals throughout South and Central Florida.
Most lending activity centers around high-volume metros—Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale—where demand for short-term capital is strongest. In these markets, competition is fierce, and being prequalified with a hard money lender can help you secure deals before they hit the MLS.
Why it matters: Understanding how hard money loans in Florida work gives investors the agility to act fast and capitalize on time-sensitive opportunities. By leveraging property equity instead of waiting on bank financing, you can move quickly, scale efficiently, and stay competitive in one of the nation’s hottest real estate markets.
- Prioritize reliability over rates: The fastest lender isn’t always the best—look for transparent fees and a proven track record.
- Request proof of funds: Legitimate lenders should be able to show liquidity or provide a verifiable letter of credit.
- Clarify total costs: Always ask about origination fees, processing charges, and prepayment penalties upfront.
- Have a clear exit strategy: Plan your sale, refinance, or rental conversion before closing to protect your margins.
Now that you understand how hard money lending works in Florida and why it’s a go-to tool for investors statewide, let’s break down the advantages and drawbacks so you can decide when this financing makes the most sense for your next deal.
Pros and Cons of Hard Money Loans
Before applying with any lender, Florida investors should weigh the advantages and drawbacks of using hard money financing. These loans are built for speed, flexibility, and deal-driven investors—but they’re not ideal for every scenario. Below is a breakdown to help you decide when working with the best hard money lenders in Florida makes sense and when another short-term financing option might be a better fit.
| Advantages | Disadvantages |
|---|---|
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Bottom Line: Hard money loans are a powerful tool for Florida investors who value speed and flexibility over long-term cost. They’re best suited for those who understand project timelines, construction budgets, and have a defined exit strategy. Newer investors should consider partnering with an experienced mentor or reputable lender to avoid over-leveraging early deals. |
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Still unsure whether a hard money loan fits your strategy? Use the checklist below to gauge whether this type of financing aligns with your goals, risk tolerance, and experience level.
Florida Investor Decision Checklist
Run through these points before working with any hard money lenders in Florida:
- âś… You’ve identified a profitable property that requires fast funding to secure the deal.
- âś… You understand your project’s after-repair value (ARV) and verified comps in your local market.
- âś… You can manage higher short-term interest rates in exchange for fast capital access.
- âś… You have or can raise the typical 20 %–30 % down payment required by most Florida private lenders.
- âś… You’ve built a realistic exit strategy—sale, refinance, or rental—within 6–24 months.
- âś… You’re familiar with Florida hard money lenders’ approval process and documentation requirements.
- âś… You’ve reviewed all loan fees, repayment terms, and potential prepayment penalties in writing.
- ⚠️ If your numbers or timeline feel uncertain, consider comparing DSCR or traditional loans before committing.
If most boxes are checked, a hard money loan could be the strategic edge you need to compete and close faster in Florida’s fast-moving real estate market.
Once you’ve confirmed that hard money financing aligns with your investment goals, the next step is understanding Florida’s unique lending landscape and what today’s top private lenders are offering.
Hard Money Lending Landscape in Florida
Florida’s real estate market is one of the most dynamic in the nation, with investors flooding in from across the U.S. to take advantage of strong population growth, tourism-driven demand, and year-round rental potential. From Miami’s high-end flips to affordable housing rehabs in Jacksonville and Tampa, the appetite for Florida hard money loans continues to rise. More investors are partnering with Florida private lenders who can offer the speed, flexibility, and local market insight traditional banks can’t match.
Hard money financing in Florida is especially popular for fix-and-flip, BRRRR, and short-term bridge projects. In many cities, homes sell within days—leaving little time for conventional underwriting. Instead of waiting 45–60 days for bank approval, investors working with the best hard money lenders in Florida can fund within a week and start renovations immediately. This speed is often the difference between securing a property and watching another buyer swoop in with cash.
Florida’s lending laws are also relatively friendly to private investors. Under state usury guidelines, most business-purpose loans—like hard money or investment loans—can exceed traditional interest rate caps when issued by licensed lenders. That flexibility allows lenders in Miami, Orlando, and other markets to structure competitive, deal-specific terms while staying compliant with Florida statutes. Still, investors should carefully review their loan documents for origination points, servicing fees, and prepayment clauses before signing.
Florida Market Snapshot
- High Investor Demand: Miami, Tampa, and Orlando are seeing strong competition from local and out-of-state investors chasing short-term and rental opportunities.
- Fast Closings: The average time to fund a hard money loan in Florida is 7–14 days, much faster than traditional lenders.
- Active Private Lenders: Firms like BridgeWell Capital (Orlando), EquityMax (Fort Lauderdale), and LendingOne (Boca Raton) dominate the market with statewide programs and flexible structures.
- Regulatory Climate: Florida’s Office of Financial Regulation oversees lending compliance, but business-purpose private loans remain lightly regulated compared to residential mortgages.
- Loan Purpose Trends: Most Florida hard money loans fund fix-and-flip projects, bridge financing, and ground-up new construction across the state’s coastal and inland metros.
Each Florida market has its own rhythm, price points, and funding nuances. While South Florida hard money lenders handle high-value flips and rental refinances, Central and North Florida regions—like Tampa, Orlando, and Jacksonville—offer lower acquisition costs and faster absorption rates. The table below shows average project timelines and typical loan-to-value (LTV) ratios across several of Florida’s hottest investment areas.
| Miami | 4–6 months | 70–75% |
| Tampa | 5–7 months | 70–75% |
| Orlando | 6–8 months | 65–70% |
| Jacksonville | 6–9 months | 70–75% |
Overall, Florida’s hard money lending market is thriving. Competition among private lenders keeps rates fair and timelines fast, giving investors access to a wide range of short-term financing options. Whether you’re flipping beachfront properties in South Florida or rehabbing rental homes in Central Florida, the state’s private lending scene offers reliable funding to match nearly every investment strategy.
Next, we’ll cover the typical eligibility requirements for Florida hard money loans—what lenders look for, how to prepare your loan package, and what you’ll need to get approved quickly.
Eligibility and Typical Requirements
While every lender has its own underwriting approach, most hard money lenders in Florida follow similar qualification standards. Unlike banks that focus on your W-2s or debt-to-income ratio, Florida private lenders emphasize the deal’s fundamentals — property value, equity, exit strategy, and investor experience. Understanding these requirements upfront helps you prepare your loan package and secure funding faster.
What Florida Hard Money Lenders Typically Require
- Down Payment / Equity: Most Florida investment property loans require 20%–30% down or equivalent equity in the property. Seasoned investors with proven track records or repeat business may qualify for higher leverage and lower cash-to-close requirements.
- Loan-to-Value (LTV) & Loan-to-Cost (LTC): The best hard money lenders in Florida typically offer up to 70%–75% of the property’s ARV or 85%–90% of total project cost. Lenders rely heavily on your ARV comps, scope of work, and budget accuracy when determining loan limits.
- Credit Profile: Credit isn’t the main qualifier, but most private money lenders in Florida prefer scores above 620. A lower score can be offset by strong equity, solid experience, or a clean investment record.
- Reserves & Liquidity: Borrowers should show enough liquidity to handle monthly interest payments, carry costs, and a 10%–15% contingency for unexpected expenses or draw delays.
- Project Type: Common loan programs include fix-and-flip financing, bridge loans, rental property rehabs, and ground-up construction loans in areas like Miami, Tampa, and Orlando. Lenders prefer projects with clear timelines and exit plans.
- Investor Experience: Many Florida hard money lenders offer tiered programs. First-time investors may face slightly higher rates or lower leverage, while experienced flippers can access better terms and faster approvals.
- Exit Strategy: Every real estate investor loan in Florida must include a clear repayment plan—whether through sale, refinance, or long-term DSCR financing. A defined exit gives lenders confidence in your ability to perform.
- Property Condition: The property doesn’t need to be turnkey. Most lenders specialize in distressed homes or heavy rehabs as long as the deal pencils out and value can be created through improvements.
Meeting these typical hard money loan requirements in Florida positions you as a serious investor ready to close fast. Whether you’re flipping homes in Jacksonville, building new construction in Orlando, or refinancing rentals in Miami, preparation is everything. Presenting a clean loan package with clear numbers and timelines helps lenders say “yes” faster — and often on better terms.
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Step-by-Step Guide to Getting a Hard Money Loan in Florida
If you’re ready to fund your next project but aren’t sure where to start, getting a hard money loan in Florida is easier than most investors think. Unlike traditional banks that bury borrowers in paperwork and slow approvals, Florida hard money lenders prioritize speed, equity, and deal potential. Below is a practical, step-by-step roadmap to help you secure funding quickly and confidently from the best hard money lenders in Florida.
- Research and Compare Lenders
Start by finding reputable Florida hard money lenders who specialize in your type of investment — whether that’s a Miami fix-and-flip, an Orlando rental rehab, or new construction in Tampa Bay. Review each company’s reputation, BBB rating, and loan programs. Prioritize lenders who know your target market and can navigate Florida’s unique permitting, insurance, and property valuation nuances. - Prepare Your Deal Package
Before you apply, organize a complete and professional loan file. Include your purchase contract or letter of intent, a detailed budget and scope of work, your ARV (after-repair value) estimate, and your projected exit strategy. The more detailed and realistic your documentation, the faster underwriters can approve your loan. - Apply and Get Prequalified
Many Florida private lenders offer fast online prequalification forms that can deliver initial terms within 24 hours. Once you submit your package, expect a preliminary term sheet outlining the potential loan-to-value (LTV), rates, and fees. Confirm these details in writing before moving forward to avoid surprises at closing. - Underwriting and Property Evaluation
During underwriting, the lender will evaluate the property’s condition, scope of work, and market comparables. Most Florida lenders require an appraisal or site visit to verify the ARV and renovation plan. Be prompt when submitting any requested documents—quick responses can shave days off your closing timeline. - Close and Fund Your Loan
After final approval, funds are wired directly to the title company or closing attorney. In most cases, Florida hard money loans close in 7–14 days. Once your project is complete, you can sell, refinance into a DSCR loan, or hold the property as a long-term rental. Timely performance helps you build credibility and negotiate even better terms on future deals.
Must-Have Documents for Your Florida Hard Money Loan
- âś… Signed purchase contract or letter of intent
- âś… Detailed rehab budget and line-item scope of work
- âś… After-Repair Value (ARV) estimate or recent CMA
- âś… Proof of funds for down payment and reserves
- âś… LLC or business formation paperwork (if applicable)
- âś… Photos or inspection report showing current property condition
- âś… Exit strategy plan — whether you plan to sell, refinance, or hold the property
Securing a hard money loan in Florida comes down to preparation and professionalism. When you show up with an organized file, accurate numbers, and a clear exit strategy, lenders view you as a confident borrower who’s ready to execute. That reputation not only gets you approved faster but also opens the door to stronger relationships with the best private lenders in Florida for future deals.
How to Vet Hard Money Lenders
Before you sign a loan agreement, it’s essential to know exactly who you’re working with. Florida’s real estate lending scene is competitive, and while there are plenty of great options, not every lender operates with the same integrity or transparency. Performing due diligence up front can help you avoid hidden fees, inflated rates, or unreliable funding partners. Here’s how to evaluate and compare hard money lenders in Florida the right way.
When researching potential lenders, pay close attention to four things: reputation, transparency, speed, and experience. The best hard money lenders in Florida are upfront about their loan terms, points, and fees—and can show proof of funds when requested. If a company dodges questions or pressures you to sign quickly, that’s a major red flag. A legitimate Florida private lender will always provide documentation and references before doing business.
Here are key questions to guide your vetting process:
- đź“‹ How long have you been lending in Florida? Local experience matters. Florida’s housing market has unique insurance, permitting, and property valuation challenges that only seasoned lenders fully understand.
- đź’¬ Can I speak with past clients? Reputable Florida private lenders should be able to connect you with real investors who have successfully closed loans through them.
- đź“‘ Can you provide a detailed breakdown of rates and fees? Always ask for a written estimate of origination points, underwriting fees, and prepayment terms before you commit.
- đź’° Do you have proof of funds? Legitimate lenders can verify capital availability or provide a letter from their funding source. This ensures they can close when they say they can.
- ⚖️ Are you registered to lend in Florida? While private lenders aren’t regulated like banks, most operate under Florida business registration and follow state lending guidelines.
- ⏱️ What’s your typical closing timeline? The best hard money lenders in Florida can fund within 7–10 days on clean files. Compare their timelines with others in the state before choosing.
- 🏗️ What types of deals do you fund most often? Some lenders focus on fix-and-flip projects, while others specialize in rental rehabs or construction loans. Work with one that understands your investment goals.
- 🧾 Do you service loans in-house? Lenders that handle underwriting and servicing internally often close faster and communicate better than those who outsource the process.
As you compare options, pay attention to responsiveness and consistency. Ethical lenders take time to explain every fee and step in the process, while less reputable ones rely on high-pressure tactics or vague promises. Knowing what to watch for can protect you from bad actors and keep your project on track.
Red Flags When Working with a Florida Hard Money Lender
- đźš© Upfront fees before approval: Legitimate lenders don’t charge application or processing fees until you’ve received a written term sheet.
- đźš© Vague or missing documentation: Avoid anyone who can’t clearly explain their interest rate, draw process, or repayment structure.
- đźš© No online presence or business registration: Always verify registration through the Florida Sunbiz database and check BBB or Google reviews.
- đźš© Pressure to sign immediately: Professional lenders allow time for review and encourage you to compare offers.
- đźš© Too-good-to-be-true rates: Be cautious of anyone offering “guaranteed approval” or rates well below market averages.
- đźš© Out-of-state lenders with no local knowledge: Lenders unfamiliar with Florida’s insurance costs or flood zoning can undervalue properties and delay closings.
Doing your research before choosing a lender can save you thousands in fees and prevent weeks of delays. The top private lenders in Florida are transparent, fast-moving, and have proven track records in the state’s most competitive markets. Building relationships with these firms can help you scale faster and secure funding for every deal—confidently and ethically.
Best Hard Money Lenders in Florida
Choosing the best hard money lenders in Florida can be the difference between winning a deal in Tampa, Jacksonville, Orlando, or Miami—or watching it go to a faster buyer. The lenders below stand out for speed, transparent terms, and programs tailored to Florida fix-and-flips, BRRRR rentals, bridges, and selective ground-up projects.
Use the quick comparison table to scan loan types, typical pricing ranges, minimums, and funding timelines, then dive into the detailed lender cards that follow.
| Lender | Loan Types | Typical Rate Range* | Minimum Loan | Funding Speed** |
|---|---|---|---|---|
| Kiavi | Fix & Flip, Bridge, Rental/DSCR | ~8%–11% (program/experience dependent) | $100,000 | ~5–10 business days on clean files |
| Capital Funding Financial | Fix & Flip, Bridge, Rental/DSCR, Multifamily | Market-based; typically high-single to low-double digits | $75,000–$100,000+ | ~7–14 days |
| EquityMax | Fix & Flip, Bridge, Rental | Program-dependent; competitive for in-state deals | Case-by-case (often flexible) | Often within ~1–2 weeks |
| Gelt Financial | Bridge, Fix & Flip, Small-Balance Commercial | Deal-specific; focuses on speed & structure | $75,000–$100,000+ | ~7–14 days |
| LendingOne | Fix & Flip, Bridge, Rental/DSCR, Construction | Varies by program, leverage, experience | $100,000 | ~7–14 days (post-approval) |
*Actual pricing depends on leverage, scope, and borrower profile. **Assumes clean title, responsive underwriting, and appraisal readiness.
Kiavi
Kiavi is a national, tech-forward platform active across Florida—from Tampa and Orlando to Miami and Jacksonville. Investors like the streamlined digital workflow, quick prequals, and program depth for fix & flip, bridge, and DSCR rental loans—useful when you need certainty and speed in competitive Florida submarkets.
Expect borrower portals, e-docs, and data-driven terming that can accelerate closings. Florida operators who present clean scopes and comps can often secure aggressive leverage with clear draw schedules and predictable servicing.
Pros
- Digital prequals and streamlined underwriting
- Clear draw management and borrower portal
- Broad program menu for FL investors
Cons
- Pricing varies with experience/leverage
- Most competitive for organized, repeat borrowers
Best for: Florida investors who want fast, tech-enabled approvals and consistent execution on flips, bridges, and DSCR rentals.
Capital Funding Financial
Capital Funding Financial is a Florida-based direct private lender known for true in-house underwriting and quick decisions across the state. Investors use them for purchase rehabs, rental take-outs, and short-term bridges where speed and communication matter.
Capital Funding Financial
Tags: Florida HQ • Direct capital • Fast closings
Because underwriting and servicing stay under one roof, borrowers typically see tighter timelines and fewer surprises. Good fit for Tampa Bay, Orlando, South Florida, and Panhandle projects needing decisive terming and reliable draws.
Pros
- Local decision-makers and hands-on servicing
- Clear draw schedules and communication
- Programs across 1–4 unit and small multi
Cons
- Minimums may exclude micro-projects
- Rates reflect private capital speed
Best for: Florida investors who want a direct Florida lender for flips, bridges, or rental take-outs with predictable execution.
EquityMax
EquityMax is a Florida-focused lender with decades of in-state experience. Known for common-sense underwriting and responsiveness, they work with both newer and seasoned investors on flips, bridges, and rentals statewide.
Borrowers appreciate the Florida market familiarity—useful when comps, insurance, or permitting impact timelines. A practical option for investors who value speed plus a lender that understands local nuances.
Pros
- Deep Florida footprint and local knowledge
- Open to a range of borrower experience levels
- Practical underwriting focused on collateral and exit
Cons
- Terms vary widely by deal profile
- Heavier documentation for complex rehabs
Best for: In-state operators who want a lender that understands Florida submarkets, insurance, and permitting realities.
Gelt Financial
Gelt Financial provides fast bridge and fix-and-flip financing throughout Florida, with a specialty in small-balance investment and commercial deals. Known for creative structures and quick reads on deals that need a confident yes/no.
Gelt Financial
Tags: Bridge expertise • Small-balance commercial • Fast decisions
If you need a lender comfortable with unique properties, mixed-use, or tight timelines, Gelt’s deal-making mindset and direct communication can help keep closings on track.
Pros
- Comfortable with quirky assets and special situations
- Direct communication and quick terming
- Useful for short timelines and bridge gaps
Cons
- Pricing set by deal complexity and risk
- Documentation must support the story and exit
Best for: Florida investors with time-sensitive bridges, unique collateral, or small-balance commercial needs.
LendingOne
LendingOne is a national private lender with active Florida coverage, offering a full menu from fix & flip and bridge to DSCR rentals and construction. Their process blends online efficiency with support from experienced loan teams.
With broad program eligibility and scalable capital, LendingOne fits investors who want one relationship for short-term projects and long-term rental financing across Florida metros.
Pros
- Full program suite from flips to DSCR and construction
- Scales with portfolio growth across Florida
- Online application with dedicated support
Cons
- Stronger pricing typically tied to experience and leverage
- Not designed for owner-occupied scenarios
Best for: Florida investors who want one lender relationship for flips, bridges, and long-term DSCR rentals, plus optional construction.
Alternative Financing Options
Hard money loans are a powerful tool for fast-moving Florida deals, but they’re not your only path to capital. Depending on your timeline, risk tolerance, and whether you’re flipping, BRRRRing, or building, other structures—like bridge loans in Florida, DSCR rental loans, and traditional mortgages—may lower your cost of funds or better match your business plan. Understanding these options helps you choose the right capital stack and keep more profit at the closing table.
| Financing Type | Ideal Use Case | Typical Rates / Terms |
|---|---|---|
| Bridge Loans (Florida) | Short-term gap financing to secure a property now and refinance or sell later. Popular for competitive Tampa, Orlando, Miami, and Jacksonville acquisitions. | ~8%–11% interest, 6–12 month terms, interest-only; fast approvals and flexible collateral. |
| DSCR Loans (Florida) | Best for buy-and-hold investors qualifying on rental income, not W-2s. Great take-out for stabilized BRRRR rentals across Florida. | ~7%–9%+ depending on DSCR, 30-year fixed/ARM, no income docs; approval based on property cash flow. |
| Traditional Mortgages | Owner-occupied homes or long-term rentals with strong credit and time to close. Lowest lifetime cost for patient investors. | ~6%–7% with 15–30 year amortization; slower underwriting but cheapest capital. |
| Private/Bank Lines of Credit | Experienced flippers/landlords who want reusable capital for multiple projects statewide; draw only what you need. | Variable ~9%–12%+; interest-only on drawn balance; annual renewals and covenants may apply. |
| HELOCs / Portfolio Equity | Tap equity from a primary home or rentals to fund down payments, rehab, or deposits for Florida investments. | Floating rates tied to prime; flexible draws; watch LTV and interest-rate risk. |
How to Choose the Right Tool in Florida
- Speed vs. Cost: If the deal is ultra-competitive, prioritize speed (bridge/hard money). If time allows, lock cheaper DSCR or conventional debt.
- Exit Strategy First: Match loan term to the plan—flip in months, BRRRR into a 30-year DSCR, or hold with conventional financing.
- Insurance & Permitting: Florida premiums and permitting timelines affect cash flow—stress-test payments and reserves.
- Liquidity Cushion: Keep 10%–15% contingency for draws, change orders, and weather delays.
The bottom line: the best hard money lenders in Florida are excellent for acquisitions that require speed. But weaving in DSCR, bridge, and traditional options deal-by-deal can lower your weighted cost of capital and help you scale smarter.
Florida Hard Money Loan FAQ
Still have questions about working with the best hard money lenders in Florida? Here are quick answers to the most common questions investors ask. Each answer is short, direct, and written to help you make confident funding decisions.
How do hard money loans work in Florida?
Hard money loans in Florida are short-term real estate loans based primarily on the property’s value, not your credit score. They’re designed to fund quickly—often in 7 to 14 days—for fix-and-flip, bridge, or rental projects.
Who are the best hard money lenders in Florida?
Top-rated lenders include Kiavi, Capital Funding Financial, EquityMax, Gelt Financial, and LendingOne. These Florida hard money lenders are known for fast approvals, flexible terms, and reliable service for real estate investors.
How fast can I close with a Florida hard money lender?
Most Florida hard money loans close in 7 to 10 days after approval. Having your purchase contract, rehab budget, and ARV estimate ready can help speed up the process.
Do I need good credit to get a hard money loan?
No, hard money lenders in Florida focus more on the property’s equity and your investment plan than your credit score. However, better credit can sometimes help you secure lower rates.
What types of properties qualify for hard money loans?
Eligible properties include single-family homes, condos, multifamily rentals, and small commercial buildings. Many Florida lenders also fund new construction and land development projects.
Are hard money loans legal in Florida?
Yes. Florida allows private real estate lending as long as the lender complies with state licensing and lending laws. Always verify business registration and read all loan documents carefully before signing.
Can I refinance a hard money loan later?
Yes. Many Florida investors refinance short-term hard money loans into long-term DSCR or conventional mortgages once the property is stabilized and generating income.
What’s the average interest rate for hard money loans in Florida?
Rates generally range between 8% and 12% depending on your experience, LTV, and project type. Shorter terms or riskier deals may have slightly higher rates.
Are there upfront fees with Florida hard money lenders?
Legitimate lenders only collect fees after loan approval and documentation. Be cautious of anyone asking for large payments before providing written terms or proof of funds.
Final Thoughts: Why Florida Is a Prime Market for Real Estate Investors
Florida continues to be one of the most attractive real estate markets in the country, offering strong demand, rapid population growth, and year-round investment opportunities. Whether you’re flipping homes in Miami, building in Tampa, or refinancing a rental in Orlando, access to flexible capital through Florida hard money lenders can make all the difference.
Throughout this guide, you learned how hard money loans work, what lenders look for, and how to navigate Florida’s fast-paced lending environment. You also discovered top-rated lenders who fund deals quickly — helping investors close confidently and keep projects moving forward.
With the right strategy and lending partner, you can tap into Florida’s thriving housing market and turn great opportunities into profitable results. Whether your next move is securing a fix-and-flip loan, refinancing a rental, or expanding your portfolio, Florida offers the perfect environment to take your investing to the next level.
Ready to start your next deal? Connect with the best hard money lenders in Florida today — and take the first step toward scaling your real estate business in the Sunshine State.
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*Disclosure: Real Estate Skills is not a law firm, and the information contained here does not constitute legal advice. You should consult with an attorney before making any legal conclusions. The information presented here is educational in nature. All investments involve risks, and the past performance of an investment, industry, sector, and/or market does not guarantee future returns or results. Investors are responsible for any investment decision they make. Such decisions should be based on an evaluation of their financial situation, investment objectives, risk tolerance, and liquidity needs.
Alex Martinez, the founder of Real Estate Skills, is known for his strong, practical expertise in real estate, starting from a beginner with no family connections in the industry to completing over 50 real estate deals, including wholesale and flips, within his first year.
He has dedicated his career to providing cutting-edge education and resources for real estate professionals. He emphasizes the importance of self-taught knowledge through mentors, books, and hands-on experience.
His journey from earning a modest income to becoming a successful real estate entrepreneur and educator showcases his expertise and dedication to the field.
Ryan Zomorodi, co-founder and COO of Real Estate Skills, leverages his experience from a diverse background in real estate investment, construction management, and entrepreneurship to provide comprehensive education in the real estate sector.
His expertise is rooted in hands-on experience, extensive industry knowledge, and a commitment to empowering others through education.
Ryan's journey reflects a blend of practical experience and entrepreneurial success, contributing to his role in developing a platform that educates and supports aspiring real estate professionals.
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