Loans on Florida investment property
Short-term, business-purpose loans on single-family homes, condos, 2–4 unit buildings and apartment buildings owned by a company as an investment.
We lend on investment homes and rental buildings throughout Florida, with most of our loans in Miami-Dade, Broward, Palm Beach and the Florida Keys.
Single-family homes
Homes owned by a company as a rental, a renovation or a property to sell.
Condominium units
Units owned as an investment. We review the association's finances and insurance.
2–4 unit buildings
Duplexes, triplexes and fourplexes, vacant, rented or being renovated.
Apartment buildings
Buildings of five units or more, stabilized or in lease-up.
Common uses
Purchase
Buy a rental property, or a property to renovate and sell.
Refinance
Replace a loan that is coming due, or a lender who cannot close on your timeline.
Cash out
Borrow against your equity for a business purpose, such as another acquisition.
Bridge to a bank loan
Use a short-term loan until the property is rented and qualifies for long-term bank financing.
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
- For rented property: leases and rent roll
Investment property
Can I borrow in my own name?
No. Loans are made to a company, usually the LLC that owns the property. Owners with 10% or more personally guarantee the loan.
Do you lend on second homes?
Only when the home is owned by a company, such as an LLC, and is not used personally by the owners or their families.
Does the property need to be rented?
No. We lend on vacant, rented and to-be-renovated property. For rented property, send the leases and rent history.
How is the loan repaid?
Most borrowers repay by selling the property or refinancing with a bank. Tell us your plan when you apply; it is part of our review.
Get a loan quote
About 2 minutes. No credit check for a quote. Loans are for business purposes only.