LOAN PROGRAMS
Capital Structured for Every Phase of the Deal
We underwrite on asset value — not personal income or credit scores. Six purpose-built programs to match your strategy and timeline, serving real estate investors across Miami, Fort Lauderdale, Tampa, Orlando, Naples, and every major Florida market.
100% Rehab · 12-18 Mo Terms · 75% ARV
Fix & Flip
Acquisition + renovation capital that moves at deal speed.
Short-term bridge financing for experienced investors acquiring and renovating residential properties. We underwrite on after-repair value, not current condition — so you can move fast on distressed assets without waiting for conventional approval.
LOAN AMOUNT
$100K – $5M
LTV
Up to 75% ARV
REHAB FINANCING
100% of costs
TERM
12 – 18 months
CLOSE TIME
5 – 7 business days
PROPERTY TYPES
SFR, 2–4 units, condos
Flex Draws · 12-24 Mo Terms · 75% LTC
Ground-Up Construction
Reliable draw schedules that keep your project on track.
Construction financing for builders and developers breaking ground on new residential or small commercial projects. We structure draw schedules around your timeline and work with your GC to keep capital flowing without unnecessary delays.
LOAN AMOUNT
$250K – $10M
LTC
Up to 75%
DRAW SCHEDULE
Flexible, inspection-based
TERM
12 – 24 months
INTEREST
Interest-only on drawn funds
PROPERTY TYPES
SFR, townhomes, small multifamily
5-7 Day Close · No Prepay Penalty · 75% LTV
Bridge Loans
Fast liquidity when timing is the only obstacle.
Short-term bridge capital to acquire or refinance a property before permanent financing is in place or a sale closes. No prepayment penalty, no institutional friction — just clean execution when you need certainty.
LOAN AMOUNT
$150K – $15M
LTV
Up to 75%
TERM
6 – 24 months
CLOSE TIME
5 – 7 business days
PREPAY PENALTY
None
PROPERTY TYPES
Residential & commercial
$1M–$15M · Non-Recourse · Interest-Only
Commercial & Multifamily
Private capital for larger acquisitions and value-add plays.
Asset-backed financing for commercial real estate acquisitions, repositioning, and portfolio expansion. We lend across asset classes — multifamily, mixed-use, retail, office, and industrial — with terms structured around your exit strategy.
LOAN AMOUNT
$1M – $15M
LTV
Up to 70%
TERM
12 – 36 months
STRUCTURE
Non-recourse available
INTEREST
Interest-only options
ASSET CLASSES
Multifamily, mixed-use, retail, industrial
65% LTV · 12-24 Mo Terms · Fast Close
Land Loans
Financing where conventional lenders stop.
Pre-development and land acquisition financing for investors and developers who need capital before a shovel hits the ground. We lend on raw land, entitled land, and lots ready for development — with terms that match your pre-construction timeline.
LOAN AMOUNT
$250K – $5M
LTV
Up to 65%
TERM
12 – 24 months
CLOSE TIME
7 – 10 business days
LAND TYPES
Raw, entitled, improved lots
USE
Acquisition & pre-development
30-Yr Terms · No Income Verify · 1-4 Units
DSCR Loans
Long-term hold financing based on cash flow, not income.
Debt-service coverage ratio loans for investors building and holding rental portfolios. No personal income verification, no tax returns — we qualify the loan on the property's rental income. Ideal for investors who want long-term, stable financing without the institutional paperwork.
LOAN AMOUNT
$100K – $3M
LTV
Up to 80%
TERM
30-year fixed or ARM
INCOME VERIFICATION
None — property cash flow only
DSCR MINIMUM
1.0x
PROPERTY TYPES
1–4 unit residential
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Submit your scenario and a member of our team will respond within one business day with a term sheet or a direct call.
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