Real estate private lending

Need funding for your next South Florida deal?

Fix & flip, ground-up, bridge and DSCR rental loans for real estate investors and builders in Miami-Dade, Broward and Palm Beach.

Aerial view of Miami Beach, the Atlantic coastline and Biscayne Bay

Loan programs

Bridge, construction and rental loans for 1-4 unit investment property.

Renovated single-family home with a white exterior and new landscaping

Fix & Flip

Buy and renovate with short-term capital built around your exit.

Loan amount$50K - $3M
PurchaseUp to 90%
RehabUp to 100%
Max loan to ARV75%
Term12 months, up to 18
Concrete block home under construction with a roof truss being lifted by crane

Ground-Up Construction

Build 1-4 unit residential with land and construction financing.

Loan amount$50K - $3M
LandUp to 75% (60% unpermitted)
ConstructionUp to 100%
Max loan to ARV / cost70% / 85%
Term12 - 24 months

Up to 90% of cost with a financed interest reserve. LTC catch-up draw to 75% once plans and permits are approved after closing.

Finished modern two-story home with a pool and landscaped backyard

Stabilized Bridge

Finished or stabilized property, ahead of a sale or refi.

Loan amount$50K - $3M
Purchase + completed capexUp to 85%
Max loan to value70%
Term12 months, up to 18
Min FICO660

Capex counts if owned under 6 months. Rental exit needs 1.10x DSCR on the lower of in-place or market rent. Condition C2+ for a sale exit, C4+ with no deferred maintenance for a rental exit.

Row of modern two-story townhomes with balconies and garages

DSCR Rental

30-year financing for rental properties and portfolios.

Loan amount$75K - $2M
Max loan to value80% (75% cash-out)
Min DSCR1.05x
Loan type30-yr fixed or 5/6, 7/6, 10/6 ARM
Min FICO660 (680 portfolios)

Portfolios over $2M or 10 properties size at 1.20x on NCF and need 90% occupancy. Rent is underwritten at the lower of in-place or market. Max 80% of cost basis if owned under 3 months.

How it works

From deal to close in four steps.

STEP 1

Submit your deal

Address and property type, price or as-is value, budget, exit plan, and your experience and credit.

STEP 2

Review with our team

We review the deal, ask the right questions, and outline the structure.

STEP 3

Term sheet

Indicative terms sized to the property and your business plan.

STEP 4

Underwrite and close

Underwriting, appraisal, title and credit approval, then closing.

Where we lend

Focused on South Florida.

Business-purpose loans on non-owner-occupied 1-4 unit residential investment property: SFR, 2-4 unit, townhome, PUD and warrantable condo.

Miami-Dade
Broward
Palm Beach
Brickell skyline at dusk along Biscayne Bay
Miami-Dade
Aerial view of Fort Lauderdale beach, the marina and Intracoastal waterfront
Broward
West Palm Beach skyline along the Intracoastal Waterway
Palm Beach

Quick answers

Before you send a deal.

Where do you lend?

South Florida: Miami-Dade, Broward and Palm Beach counties.

What property types?

1-4 unit residential investment property: SFR, 2-4 unit, townhome, PUD and warrantable condo.

Do you lend on owner-occupied homes?

No. We make business-purpose loans on non-owner-occupied investment property only.

Are the loans recourse?

Yes. Loans are full recourse unless otherwise stated in the term sheet.

What do you need for a quote?

Address and property type, price or as-is value, rehab or construction budget, exit plan, and your experience and credit.

How much leverage is available?

Up to 90% of purchase and 100% of rehab on fix and flip, and up to 85% of total project cost on ground-up. Final sizing follows underwriting.

Ready to discuss your deal?

Talk with our lending team about your next deal.