What Properties We Fund in Florida
Private money lending for non-owner-occupied 1–4 unit residential investment properties that fit our Florida lending criteria.
Review the property types, deal structures, and lending-box requirements that help investors understand whether a Florida residential deal is likely a fit.
Clear lending criteria save everyone time
Clear property criteria help serious investors:
We lend on
Geography
- Florida only
Borrower Use
- Non-owner-occupied only
- Investor-purpose deals only
Property Type
- 1–4 unit residential
- Single-family homes
- Duplexes
- Triplexes
- Fourplexes
Property Box
- Under local FHA cap
- Under 2,800 sq. ft. per unit
- Max 5 bed / 3 bath
- Under 0.5 acre
Project Types
- Fix & Flip
- Bridge / Acquisition
- Transitional Rental
We do not lend on
- Owner-occupied properties
- Land
- Commercial properties
- Industrial properties
- Large multifamily
- Outside-box luxury properties
- Broad condo-heavy positioning
- Deals outside the Florida residential investor box
A narrow lending box creates clearer expectations and a more useful process for everyone.
Projects that fit best
Real-world scenarios where our capital is the most useful.
Fix & Flip
- • Acquiring distressed or outdated residential properties for renovation and resale
- • Value-add residential deals requiring cosmetic or moderate rehab
- • Time-sensitive acquisitions where conventional financing is too slow
Bridge
- • Fast-close acquisitions requiring reliable execution
- • Timing-sensitive residential deals with motivated sellers
- • Transitional properties needing short-term capital before refinance or resale
Transitional Rental
- • Buy-improve-refinance strategies for residential rental properties
- • Vacant or underperforming residential assets needing stabilization
- • Short-term financing for properties not yet ready for permanent debt
What this means for investors
If the property clearly fits
The next step is deal submission. We can move quickly to review the opportunity.
If the property is borderline
Review the criteria and compare to the box, or submit the details you have for a fast review.
If the deal is clearly outside the box
It is better to know early so you can find a capital partner that specializes in your asset class.
Common reasons a deal may not fit
Borrower plans to occupy the property
We are strictly a commercial-purpose lender for non-owner-occupied investment properties.
Property is outside Florida
Our lending operations and market expertise are entirely focused on the state of Florida.
Asset type is outside the 1–4 unit residential box
We do not fund retail, office, industrial, land, or large multifamily properties (5+ units).
Project strategy is unclear
We need to understand the acquisition plan, scope of work, and intended exit strategy.
The deal does not align with our loan programs
If the project isn't a fix & flip, bridge acquisition, or transitional rental deal, it requires a different capital partner.
Not sure if your deal fits?
Review the criteria
Confirm that the property and project fall inside the Florida residential investor box.
Compare the deal to the fit examples
Use the examples on this page to evaluate whether the project matches a common lending use case.
Submit the deal for review
If the deal appears to fit, submit it and we'll review fit and next steps.
Why clear criteria matter to serious investors
We don't want to waste your time reviewing deals we know we won't fund.
What We Fund FAQs
Think your Florida deal fits?
If your property and project align with our lending criteria, submit the deal and we'll review fit and next steps.