Why Orlando Investors Choose HardMoneyMan.com
Real estate investors need a lender who understands the property, the numbers and the strategy behind the deal. HardMoneyMan.com is a direct lender with more than 25 years of experience funding real estate investments nationwide.
We're a Direct Lender
We lend our own money rather than shopping your deal to another lender. When we approve a qualifying loan, you are working directly with the company providing the financing.
We Understand Investors
We've bought, rehabbed, sold and rented investment properties ourselves. That experience helps us understand the challenges investors face when evaluating a property and executing a project.
25+ Years of Lending
HardMoneyMan.com has been lending to real estate investors since 1998. Our experience spans fix and flips, rental properties, new construction, multifamily and commercial real estate.
Fast & Investor Focused
We understand that timing matters when you're buying an investment property. Our process is designed to provide fast decisions and efficient closings for qualifying transactions.
Orlando investors get the advantage of working directly with an experienced real estate lender. We evaluate the property, borrower experience, financing structure and overall strength of the transaction rather than taking a one-size-fits-all approach.
Hard Money Loan Programs in Orlando
Different investment strategies require different financing structures. HardMoneyMan.com offers several loan programs for qualifying Orlando real estate investors, builders, landlords and commercial borrowers.
Orlando Fix & Flip Loans
Short-term financing for experienced investors purchasing and renovating qualifying 1–4 unit residential investment properties.
- Up to 90% of purchase price
- Up to 100% of eligible renovation costs
- Interest-only options
- 12–24 month terms
- Florida requirement: 3+ completed rehabs within the past 36 months
- 680+ mid credit score required in Florida
- No rural properties
Important: Florida fix and flip loans are not asset-based loans. Borrower experience and credit requirements apply.
Orlando DSCR Rental Loans
Long-term rental financing for investors purchasing or refinancing qualifying 1–4 unit residential investment properties.
- 30-year rental financing
- 1–4 unit residential properties
- 660+ mid credit score
- 1.05 minimum DSCR
- Qualification based on property cash flow
- Single-family homes must be tenant occupied
- 3 months seasoning required
- No rural properties
Orlando Ground-Up Construction Loans
Construction financing for experienced builders and developers constructing new qualifying 1–4 unit residential investment properties.
- 12–24 month terms
- Financing structured around the lot and construction costs
- Interest-only during construction
- Florida requirement: 3+ completed new builds within the past 36 months
- 680+ mid credit score required in Florida
- Experienced builders and developers
- No rural properties
Important: Florida ground-up construction loans are not asset-based loans. Borrower construction experience and credit requirements apply.
Orlando Asset-Based Hard Money Loans
Property-based financing for qualifying investment properties when traditional income-based underwriting isn't the right fit.
- No minimum credit score requirement
- Up to 50% of property value
- Residential and commercial investment properties
- Collateral-focused underwriting
- Property must be livable and rent ready
- No rehab financing
- No ground-up construction
- No land financing
- No rural properties
Orlando 5+ Unit Multifamily Loans
Financing for qualifying 5+ unit apartment buildings and mixed-use investment properties, including stabilized long-term financing.
- 5+ unit apartment buildings
- Qualifying mixed-use properties
- 30-year long-term financing available
- Up to 75% LTV on qualifying stabilized properties
- Asset Based and higher leverage credit driven programs available
- Property and occupancy requirements apply
Orlando Commercial Hard Money Loans
Commercial real estate financing for qualifying Orlando investment properties and transactions where speed and flexible underwriting are important.
- Commercial investment properties
- Qualifying mixed-use properties
- Asset-based options may be available
- Property value and deal structure considered
- Fast decisions for qualifying transactions
- Direct lender financing
Orlando Commercial Hard Money Loans
HardMoneyMan.com provides commercial hard money financing for qualifying Orlando investment properties. We focus on the property, the transaction and the overall strength of the deal when evaluating commercial financing.
Commercial Investment Properties
Financing for qualifying commercial real estate where traditional financing may not fit the timing or structure of the transaction.
Mixed-Use Properties
Financing may be available for qualifying mixed-use investment properties, subject to property and underwriting requirements.
Asset-Based Financing
For qualifying commercial properties, our asset-based program can focus primarily on the property's value and available equity.
Direct Lender
You work directly with HardMoneyMan.com rather than a broker shopping your transaction to another lender.
Note: We do not offer bridge financing. All Orlando commercial loans are subject to property, borrower and transaction-specific underwriting.
What Properties Do We Finance in Orlando?
We finance a range of qualifying investment properties in Orlando and throughout Central Florida. The available loan program depends on the property type, intended use, borrower experience and overall transaction.
1–4 Unit Residential
Single-family, duplex, triplex and fourplex investment properties may qualify for applicable financing programs.
Fix & Flip Properties
Qualifying residential properties being purchased and renovated by experienced Florida investors.
Rental Properties
Qualifying 1–4 unit rental properties for investors seeking long-term DSCR financing.
5+ Unit Multifamily
Apartment buildings and qualifying mixed-use properties with five or more units.
Ground-Up Construction
New 1–4 unit residential construction for experienced Florida builders and developers who meet program requirements.
Commercial & Mixed-Use
Qualifying commercial and mixed-use investment properties subject to property-specific underwriting.
Important: We do not finance rural properties, land-only transactions or projects that fall outside the requirements of the applicable loan program.
Florida Borrower Requirements
Loan requirements vary by program. The following guidelines apply to our Florida lending programs and help determine which financing option may be appropriate for your Orlando investment property.
Important: Fix-and-flip and ground-up construction loans are not asset-based programs. Their Florida experience and credit requirements must be met.
How the Orlando Hard Money Process Works
We keep the process straightforward so Orlando investors can quickly determine whether their property and financing strategy fit one of our programs.
Tell Us About the Deal
Provide the property address, purchase price, proposed loan amount, project details and your investment experience.
Review the Program
We determine which available financing program best fits the property, borrower and transaction.
Complete Due Diligence
We verify the property, borrower information, project details and other requirements needed for the loan.
Close & Fund
Once approved and all conditions are satisfied, we move toward closing and funding as efficiently as possible.
Why Use a Direct Lender for Your Orlando Investment?
When you work with a direct lender, you know who is evaluating your loan and where the financing is coming from. HardMoneyMan.com lends directly to qualifying real estate investors rather than acting as a broker shopping your deal to other lenders.
One Lender
You deal directly with the lender making the financing decision.
Faster Communication
Direct communication can eliminate unnecessary layers between the borrower and lender.
Investor Focused
We understand investment properties, renovations, construction and rental strategies.
Clear Expectations
We can explain the requirements and structure of the applicable loan program before you move forward.
Orlando Areas We Serve
HardMoneyMan.com provides hard money financing throughout Orlando and surrounding Central Florida communities. If you're investing outside the city itself, contact us to determine whether the property falls within our lending area and program guidelines.
No rural properties. Property location and eligibility are subject to the requirements of the applicable loan program.
Orlando Hard Money Loan FAQs
Answers to common questions from Orlando real estate investors and builders.
What types of hard money loans are available in Orlando?
We offer several financing programs for qualifying Orlando investment properties, including fix and flip loans, DSCR rental loans, ground-up construction loans, asset-based loans, 5+ unit multifamily financing and commercial hard money loans.
What are the Florida requirements for a fix and flip loan?
Florida fix-and-flip borrowers must have at least 3 completed rehabs within the past 36 months and a 680+ mid credit score. Additional property and transaction requirements apply.
What are the Florida requirements for a ground-up construction loan?
Florida ground-up construction borrowers must have at least 3 completed new builds within the past 36 months and a 680+ mid credit score. The program is intended for experienced builders and developers constructing qualifying new 1–4 unit residential properties.
Do you offer DSCR loans in Orlando?
Yes. Our DSCR rental program is available for qualifying 1–4 unit residential investment properties. A 660+ mid credit score and minimum 1.05 DSCR are required, along with applicable occupancy, seasoning and reserve requirements.
Do you offer asset-based hard money loans in Orlando?
Yes. Our asset-based program does not have a minimum credit score requirement and can provide up to 50% LTV on qualifying properties. The property must meet program requirements, and this program is not intended for major rehab or ground-up construction.
Do you finance 5+ unit properties in Orlando?
Yes. We offer financing for qualifying 5+ unit multifamily and mixed-use investment properties, including asset-based and higher-leverage credit-driven programs.
Are you a direct hard money lender in Orlando?
Yes. HardMoneyMan.com is a direct lender. We lend directly to qualifying borrowers rather than acting as a broker shopping the loan to another lender.
Do you offer bridge loans in Orlando?
No. HardMoneyMan.com does not offer bridge financing. We provide specific hard money, rental, construction, asset-based, multifamily and commercial financing programs based on the property and transaction.
Looking for Hard Money Lenders in Orlando?
Tell us about your Orlando investment property, financing needs and experience. We'll review the deal and determine which HardMoneyMan.com loan program may be the right fit.
HardMoneyMan.com is a direct lender. All loans are subject to program guidelines, property eligibility and underwriting approval.