Loan Programs

Florida Hard Money Loan Programs for Real Estate Investors

FloridaHardMoney.com connects investors with fast, flexible, asset-based financing solutions for residential and commercial projects throughout Florida.

Fix-and-Flip Loans

1–4 Units

  • Key Highlights:
  • Up to 85–90% LTC
  • Rehab budget included in draws
  • Interest-only payments
  • Close in 5–7 days
  • Best For:
  • New and experienced Florida fix-and-flip investors
  • Auction, wholesale, and distressed acquisitions
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Florida Bridge Loans

6–24 Month Terms

  • Key Highlights:
  • Close in 3–7 days
  • 6–24 month terms
  • No tax returns required
  • Ideal for properties needing stabilization
  • Used For:
  • Time-sensitive purchases
  • Repositioning or value-add plans

DSCR Rental Loans

30-Year Fixed or ARM

  • Key Highlights:
  • Approvals based on rental income (DSCR-based)
  • 30-year fixed or ARM structures
  • Works for STRs, LTRs, condos, single-family, duplexes
  • Perfect for investors with:
  • Tax write-offs
  • Self-employment income
  • Rapid portfolio expansion
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Ground-Up Construction Loans

Build From Scratch

  • Key Highlights:
  • Up to 85–95% LTC
  • Draw-based disbursements
  • Single-family, townhomes, and small multifamily
  • Popular Build Markets:
  • Orlando, Tampa Bay, Naples
  • Fort Myers, Miami redevelopment zones

Florida Commercial Loans

Up to $50M

  • Key Highlights:
  • Eligible Property Types:
  • Multifamily (5–100+ units)
  • Office and medical buildings
  • Light industrial / warehouse
  • Mixed-use properties
  • Retail and shopping centers
  • Hotels and motels
  • Self-storage
  • Land
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Foreclosure Bailout Loans

Urgent Timeline Solutions

  • Key Highlights:
  • Designed for urgent timelines
  • Asset-based decisions
  • Helps investors retain properties
  • Often refinanced into DSCR or commercial term loans later

Who Qualifies for Florida Hard Money Loans?

  • Borrower Requirements:
  • Florida real estate investor (LLC or personal)
  • Experience helps but is not required
  • Property Requirements:
  • Investment-only (non-owner-occupied)
  • Clear exit strategy or value-add plan
How Scenarios Are Reviewed

All loan programs flow through the HMO Investor Network.

  • Purchase price
  • Rehab or construction budget
  • Borrower experience
  • ARV potential
  • Cash-flow projections
  • Exit strategy

Ready to Get Started?

Submit your Florida hard money loan scenario to get matched with active private lenders today.

Submit Your Deal Now

FloridaHardMoney.com is not a direct lender. Scenarios may be reviewed by private lenders within the HMO Investor Network.