Private real estate loans in the Florida Keys
Short-term, business-purpose loans on investment and commercial property in Monroe County, from Key Largo and Islamorada to Marathon and Key West.
The Keys have their own rules for building, insurance and rentals. We have lent here for years and know what a file needs before it reaches closing.
Investment and rental homes
Homes and condos owned by a company and rented under the local rules, from the Upper Keys to Key West.
Commercial and hospitality
Small hotels, retail and mixed-use buildings, and other commercial property, reviewed case by case.
Construction and renovation
New homes and renovations that have their building permit allocation and permits, paid out in stages.
Land
Lots with a building permit allocation, or a clear path to one, reviewed case by case.
What to know in the Keys
Building permit allocations
New homes and commercial space in the Keys need an allocation under Monroe County's growth-management rules (ROGO and NROGO) or the equivalent city program. For construction and land, we review the allocation or its status.
Flood and wind insurance
Almost every property in the Keys needs flood and windstorm coverage. Ask your agent for quotes early; insurance is often the last item before closing.
Vacation rentals
Rental rules differ between Monroe County and the cities in the Keys. If your plan depends on rental income, we review the rental license and the rules that apply.
What happens after your quote
- Step 1
Get your quote
A few questions about the property and the loan. No account and no credit check.
- Step 2
Apply and upload
Tell us about your company and send documents from your phone or computer.
- Step 3
Sign your term sheet
If your loan fits our guidelines, you sign your term sheet online. We review and countersign within 48 hours.
- Step 4
Close and fund
Track every closing item in your private portal until your loan funds.
Documents you will need
You upload these to your secure portal after you apply. We tell you if anything else applies to your property.
- Photo ID for each owner with 10% or more
- The company's articles of organization and operating agreement
- Recent bank statements
- Purchase contract, or a payoff letter for the current loan
- Property insurance, including flood and wind coverage where required
- Appraisal, ordered through us
- Building permit allocation (ROGO or NROGO) and permits, for construction and land
- Vacation rental license and rental history, if the property is rented
Florida Keys · Monroe County
Do you lend in Key West?
Yes. We lend throughout Monroe County, including Key West, Marathon, Islamorada and Key Largo.
Do you lend on vacation rentals in the Keys?
Yes, on homes owned by a company and rented where the local rules allow it. We review the rental license and rental history.
Do you finance construction in the Keys?
Yes, when the project has its building permit allocation and permits. Funds are paid out in stages as the work is completed.
Why does the quote ask for the county?
Where a property is located affects how we review it, including insurance and local market conditions. Your quote reflects the county you choose.
Get a loan quote
About 2 minutes. No credit check for a quote. Loans are for business purposes only.