Hard Money Lenders in Florida | Fast Fix & Flip, Rental & Construction Loans
As one of the go-to hard money lenders in Florida, HardMoneyMan.com offers hard money loans in FL with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Where To Find Florida Hard Money Lenders
The Leader in Hard Money Loans in Florida
Submitting your application package is quick and easy.
Florida Hard Money Loans – Fast Closings in 7–10 Days
Serving the entire state of Florida with fast, reliable financing for fix & flip,
rental, DSCR, multifamily, commercial, and asset‑based real estate loans.
Hard Money Lenders in Florida | Fast Real Estate Investor Loans Statewide
HardMoneyMan.com LLC has funded over 2,500 Florida investment property loans since 1998—making us one of the most experienced and trusted hard money lenders in Florida. Whether you’re flipping houses in Miami, building in Tampa, or refinancing rentals in Orlando, we provide flexible capital with fast approvals and no income documentation.
Loan Programs Available in Florida
| Program | Key Features | ||
|---|---|---|---|
| Fix & Flip Loans | Up to 90% Purchase & 100% Rehab | Close in 7–14 Days | Same-Day Draws |
| Spec Construction Loans | Ground-Up Financing | Lot Equity Accepted | Flexible Terms & Quick Funding |
| DSCR Rental Loans | 30-Year Fixed or Interest-Only | No Tax Returns Needed | BRRRR-Friendly |
| Multifamily Loans (5+ Units) | Value-Add Financing | Competitive Rates | Experienced Underwriting |
Why Florida Investors Choose HardMoneyMan.com LLC
- Over 25 Years Lending Experience Nationwide
- No Income or Employment Verification Required
- Fast Closings in as Little as 7 Days
- Transparent Terms with No Upfront Fees
- Direct Lending—No Middlemen or Brokers
We specialize in helping both seasoned and first-time real estate investors succeed in Florida’s booming market.
We Lend Across Florida
Including—but not limited to:
Miami • Tampa • Orlando • Jacksonville • Fort Lauderdale • Sarasota • Tallahassee • Cape Coral • Pensacola • Boca Raton • Gainesville
How to Get Approved Fast
- Submit your deal scenario and property details
- Receive your custom quote and term sheet
- Schedule appraisal and complete underwriting
- Close quickly with funding ready in days
We assess the property’s value—not your credit score—to qualify you for the right loan amount.
Florida Real Estate Investment Snapshot
- Median Property Price: $387,500
- Avg Days on Market: 50
- Home Appreciation (YoY): 6.8%
- Rental Demand: Highest in South Florida & College Towns
Source: Florida REALTORS®, Zillow, Redfin
Florida continues to attract out-of-state investors, fix & flip specialists, and BRRRR method landlords thanks to its strong buyer demand and rehab-friendly inventory.
Apply Now for Your Florida Hard Money Loan
Join over 26,000+ investors nationwide who trust HardMoneyMan.com LLC to close deals fast with competitive terms.
Apply Here or call (516) 526-8445 for a quick loan quote.
We Lend in:
Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah, Port Saint Lucie, Tallahassee, Fort Lauderdale, Cape Coral, Broward County and all cities in Florida
Florida Real Estate Investor Resources
Investment Loan Programs in Florida
Florida Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Florida. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Florida Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Florida investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Florida 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Florida.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Florida 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Florida.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Florida Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Florida Commercial Hard Money Loans
Financing for commercial real estate investors across Florida, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Serving Investors Across the Southeast
Florida is a major hub for real estate investment, and many investors operate across the Southeast. We also provide hard money loans in
Georgia,
South Carolina,
and
North Carolina,
with flexible programs built for regional investors.
Frequently Asked Questions
What is a hard money loan in Florida?
A hard money loan in Florida is a short-term, asset-based real estate loan secured by property value rather than borrower income or credit. These loans are commonly used by investors for fix-and-flips, rental properties, and construction projects.
How do hard money loans work in Florida?
Hard money loans in Florida work by lending against the value of the property instead of the borrower’s financial profile. Lenders evaluate purchase price, after-repair value, and exit strategy, and offer short-term, interest-only financing.
How fast can I get a hard money loan in Florida?
Loans in Florida can often close within 7–10 days after approval. Initial decisions are frequently issued within 24 hours following a review of the property and deal details.
What credit score is needed for a hard money loan in Florida?
Most hard money loans in Florida do not require a minimum credit score. Approval is based primarily on property value, loan-to-value ratio, and deal strength.
What types of properties qualify for hard money loans in Florida?
Hard money loans in Florida are commonly used for residential investment properties, fix-and-flips, rentals, multifamily buildings, mixed-use, and certain commercial real estate projects.
What are typical hard money loan terms in Florida?
Terms in Florida typically range from 6 to 18 months, with interest-only payments and financing based on purchase price, current value, or after-repair value.
What fees are associated with hard money loans in Florida?
Common fees for hard money loans in Florida include lender points, appraisal or inspection costs, and standard closing expenses. Fees vary depending on property and transaction type.
Can hard money loans be used for rental properties in Florida?
Yes, hard money loans in Florida are often used for acquiring or refinancing rental properties. Investors may later refinance to long-term financing such as DSCR or conventional rental loans.
Can hard money loans be made to LLCs in Florida?
Yes, loans can be structured in LLCs or other business entities in Florida for liability protection and portfolio management.
When should you not use a hard money loan in Florida?
Hard money loans in Florida are not intended for primary residences or owner-occupied homes. They are designed specifically for investment properties with a clear exit strategy.