Florida Real Estate Investor Financing

Hard Money Loans Florida

Fast, asset-based financing for Florida real estate investors. Fix & flip, bridge loans, and short-term investment property financing across all 67 Florida counties.

3โ€“10 Days
Typical Approval
65โ€“75%
LTV Available
6โ€“24 Mo.
Typical Terms
By Onias Derilus, NMLS# 1859012 ยท Licensed FL Mortgage Broker ยท Last Updated: May 2026
Hard Money Loans Florida

Asset-Based Investment Financing

Hard money loans in Florida are short-term, asset-based loans primarily used by real estate investors for fix & flip projects, bridge financing, and time-sensitive acquisitions.

Unlike conventional mortgages, hard money loans qualify based primarily on the value of the property โ€” not the borrower's income or credit score. Furthermore, approvals are typically 3โ€“10 business days, making them ideal for auction purchases, distressed property deals, and competitive Florida real estate markets.

Additionally, Florida's strong rental and resale market makes hard money financing particularly attractive for investors in Palm Beach, Broward, Miami-Dade, and the Treasure Coast.

โœ“Fix & flip financing โ€” purchase + renovation costs
โœ“Bridge loans โ€” finance the gap between buy and sell
โœ“Ground-up construction loans for Florida investors
โœ“Distressed property acquisitions โ€” bank-owned, auction
โœ“Short-term rental (Airbnb) property financing
โœ“Multifamily value-add acquisition loans
Florida Hard Money Loan Terms
Loan-to-Value65โ€“75% of ARV
Approval Time3โ€“10 Business Days
Loan Term6โ€“24 Months
Points1โ€“3% Origination
Interest Rate9โ€“13% (interest only)
Min Loan Amount$50,000
Geographic CoverageAll 67 FL Counties
Loan PurposeInvest. / Non-Owner Occupied
Hard Money vs. DSCR Loan
Hard MoneyDSCR
Loan Term6โ€“24 mo30 yr
Rate9โ€“13%6.5โ€“9%
LTV65โ€“75% ARV70โ€“80%
Use CaseFix & FlipRental Hold
Income CheckNoneRental Income
Explore Related Programs
DSCR Loans FloridaNon-QM Mortgage FloridaJumbo Loans FloridaFlorida Mortgage Locations

Get a Hard Money Quote in Florida

Fast approvals ยท Asset-based ยท No income verification required

๐Ÿ“ž (561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.