Our Florida hard money lenders offer hard money loans to bad credit Florida mortgage applicants for a variety of reasons. Florida hard money loans are those offered by private hard money Florida mortgage lenders including: Private lenders, hedge funds, wealthy individuals, and small community hard money Florida investment companies. These Florida hard money lenders base the loan to value off the quick sale value of the of Florida property. All Florida hard money situations are considered. Below is a brief hard money summary.

Florida Hard Money Loan Overview:
Interest Rates: 8.95% – 12%
Amortization: Interest only
LTV: Up to 65% on income producing properties
Loan Terms: 24-60 Months
Closing: 1-2 Weeks 
Loan Size: $40k to $4 Million
Credit: No Minimum Fico Score. All credit considered
Florida Hard Money Loan Occupancy:
Non/Owner /Occupied (yes)
Owner/Occupied- (Full Doc & borrower must show ability to repay, on case by case basis)
Owner/Occupied- Properties are subject to HOPA Federal Section 32

Owner/Occupied -with Homestead-Refinance-NONE
Florida Hard Money Loan Income Type:
Full Doc – W-2 & Pay Stub or 1040’s,
Alt Doc – 6 Months bank statements
Stated Doc – Non Owner Occupied/Investment properties only

Florida Hard Money Loan Loan Purposes:
Purchase(O/O & N/O/O)
Refinance (N/O/O)
Refinance Cash Out (N/O/O)

Florida Hard Money Loan Collateral Types we “are” looking for:
SFR’s – 2-4 Units Residential: up to 65% LTV.
Condos: 50% LTV. – Villas – Town Houses: up to 60% LTV.
Apartment Buildings: up to 55%
Multi Family Complexes: up to 55% LTV.
Mixed Use: Up to 50% LTV.
Warehouses: Up to 50% LTV.
Lite Industrial: Up to 50% LTV.
Office Buildings: 50% LTV.

Florida Hard Money Loan Collateral Types we “may consider” case by case:
Hotels & Motels 50% LTV
Assisted Living Facilities 45% LTV
Day Care Centers 45% LTV
Marinas 50% LTV

Florida Hard Money Loan Applicants:


FHA Mortgage Lenders By State: 
Florida   Texas  Georgia  Alabama  

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