Question 1

What properties do you fund?

Accepted Answer

We fund non-owner-occupied 1–4 unit residential investment properties in Florida. This includes single-family homes, duplexes, triplexes, and fourplexes. See what we fund for details.

Question 2

Do you lend on owner-occupied properties?

Accepted Answer

No. We strictly lend to real estate investors for business-purpose loans on non-owner-occupied investment properties.

Question 3

Do you lend on duplexes, triplexes, and fourplexes?

Accepted Answer

Yes, 1–4 unit residential properties fit perfectly within our lending box, provided they are non-owner-occupied.

Question 4

Do you lend outside Florida?

Accepted Answer

No. We are exclusively focused on the Florida real estate market to ensure we provide the best local expertise and execution.

Question 5

Do condos fit your lending box?

Accepted Answer

We generally avoid broad condo-heavy lending. We focus primarily on single-family and 2-4 unit residential properties.

Question 6

Do distressed residential properties qualify?

Accepted Answer

Yes, we frequently fund distressed residential properties for investors executing a value-add or fix-and-flip strategy.

Question 7

What is the difference between Fix & Flip, Bridge, and Transitional Rental?

Accepted Answer

Fix & Flip is for acquiring, renovating, and reselling. Bridge is for fast, time-sensitive acquisitions without heavy rehab. Transitional Rental is for buying, stabilizing, and refinancing into long-term debt.

Question 8

Which loan type fits a distressed property?

Accepted Answer

Typically, our Fix & Flip loan is the best fit for distressed properties requiring renovation. However, if you are acquiring quickly and plan to stabilize it as a rental, a Transitional Rental loan or Bridge loan might apply.

Question 9

Which loan type fits a buy-improve-refinance strategy?

Accepted Answer

Our Transitional Rental loan is designed specifically for investors acquiring a property to improve, stabilize with a tenant, and refinance into permanent conventional or DSCR debt.

Question 10

Are bridge loans only for flippers?

Accepted Answer

No. Bridge loans are often used by investors who need fast, certain execution to secure an acquisition, regardless of whether the final exit is a sale or a refinance.

Question 11

Do you fund rental-oriented investment deals?

Accepted Answer

Yes, through our Transitional Rental program, we provide short-term capital for investors stabilizing a property before securing permanent financing.

Question 12

Are rates and terms the same for every deal?

Accepted Answer

No. Private lending is deal-specific. Pricing and structure depend on the property, the project type, and your investment strategy.

Question 13

What affects private lender pricing?

Accepted Answer

Factors include property fit, the specific loan program (Fix & Flip vs. Bridge), deal clarity, timeline, and how well the project aligns with our lending box.

Question 14

Why can’t I get one generic rate for every project?

Accepted Answer

Every project carries different execution requirements and structural needs. A generic rate doesn't reflect the reality of funding a specific value-add or bridge opportunity.

Question 15

What matters more than just the rate?

Accepted Answer

Speed, execution reliability, clear criteria, and whether the lender actually understands your strategy. A low rate quote is useless if the lender can't close the deal.

Question 16

How does the deal review process work?

Accepted Answer

First, submit your deal details. We review it against our Florida residential investor box. If it fits, we move to evaluate the asset and provide terms.

Question 17

What should I have ready before submitting a deal?

Accepted Answer

You should have the property address, purchase price, estimated as-is value, rehab budget (if applicable), and your planned exit strategy.

Question 18

What happens after I submit a deal?

Accepted Answer

Our team reviews the submission promptly. If the deal fits our criteria, we will contact you to discuss terms, required documentation, and next steps for closing.

Question 19

What if I am not sure whether my deal fits?

Accepted Answer

Review our Lending Criteria. If you're still unsure, the fastest way to find out is to submit the deal for a quick fit-check.

Question 20

How do rehab draws usually work?

Accepted Answer

For projects with a rehab component, funds are typically held in escrow and released in draws as work is completed and verified, ensuring the project stays on track.

Question 21

When is an inspection required?

Accepted Answer

Inspections are generally required before a draw reimbursement is processed to verify that the specified scope of work has been completed to standard.

Question 22

What documents are usually needed for draw reimbursement or project review?

Accepted Answer

Investors typically need to provide a clear scope of work, contractor bids, invoices, and lien waivers to facilitate smooth draw processing.

Question 23

What helps keep the process moving smoothly?

Accepted Answer

Clear communication, organized documentation, and a disciplined approach to executing your submitted rehab plan are the best ways to ensure smooth execution.

Question 24

Do you lend on land?

Accepted Answer

No. We do not lend on raw land or ground-up construction. We focus on existing 1–4 unit residential structures.

Question 25

Do you lend on commercial or industrial deals?

Accepted Answer

No. Our lending box is strictly focused on residential investment properties.

Question 26

Do you lend on large multifamily?

Accepted Answer

No. We cap our property size at 4 units (fourplexes). We do not fund 5+ unit apartment buildings.

Question 27

What usually makes a project a poor fit?

Accepted Answer

Deals outside Florida, owner-occupied properties, commercial assets, properties requiring excessive square footage (over 2,800 sq. ft. per unit), or projects lacking a clear exit strategy.

Frequently Asked Questions

The answers investors usually want first

Property Fit Questions

Loan Program Questions

Rates & Terms Questions

Process Questions

Project Execution Questions

What Usually Does Not Fit

Helpful Next Steps

Still not sure whether your deal fits?

Still have a question about your Florida deal?

Clear criteria. Straight answers. Investor-focused lending.

Florida-only focus

Investor-only residential

1–4 unit lending discipline

Clear next steps