Fast answers on a commercial deal.
"Traditional banks kept slowing the process down. Ron understood the property and helped us move quickly."
Commercial investorFlorida hard money lender
Fast private lending for real estate investors who need to close.
Hard Money Ron helps investors fund fix-and-flip projects, bridge loans, commercial properties, construction, cash-out refinances, distressed assets, and foreign national purchases across Florida's west coast.
Equity-based lending
Typical 65% LTV
Income and credit not the main factors
$100M+
in real estate lending volume
65% LTV
typical equity-based loan structure
2 weeks
possible fast-close timeline when docs are ready
Local
Florida west coast market knowledge
How Ron evaluates deals
Hard money is equity-based. The property matters most.
Unlike bank-style lending, the decision is primarily driven by the property's value, the deal structure, and the exit strategy. A typical hard money loan is around 65% LTV, with higher LTVs considered case by case.
Income and credit are not usually the deciding factors. Ron will usually want proof of insurance, sometimes 1-2 months of bank statements to show cash flow, and confirmation that taxes are filed annually.
Property Types Considered
- Residential investment properties
- Commercial real estate
- Multi-unit properties
- Mobile homes
- Distressed or non-traditional assets
Loan programs
Funding paths for real estate investors.
01
Fix-and-Flip Loans
Short-term capital for buying and renovating distressed properties to resell for profit, typically structured around the property's value and after-repair potential.
02Bridge Loans
Temporary funding when timing matters, including buying before a sale, securing a new opportunity, or waiting on long-term financing.
03Commercial Property Loans
Value-based financing for retail, office, multifamily, mixed-use, and investor-owned commercial properties.
04Construction Loans
Funding for new builds, major renovations, land-backed projects, and staged construction needs.
05Refinance & Cash-Out Loans
Pull equity from existing properties to fund new acquisitions, upgrades, repairs, or portfolio growth.
06Distressed Property Loans
Financing for foreclosures, vacant lots, historic homes, fixer-uppers, and assets traditional banks often avoid.
07Foreign National Loans
Hard money and investor financing options for foreign nationals buying or refinancing Florida real estate, including specialized lending relationships when the deal fits.
CallNot sure where your deal fits?
Bring the address, purchase price, estimated value, and timeline. Ron can quickly tell you what may be possible.
Where Ron lends
Florida west coast lending, focused from Sarasota north through Pasco County.
Local judgment matters when a deal moves fast.
Ron focuses on Florida investment properties along the west coast, including Sarasota, Bradenton, Palmetto, St. Petersburg, Clearwater, Largo, Pinellas Park, Dunedin, Palm Harbor, Tarpon Springs, Tampa, Brandon, Wesley Chapel, New Port Richey, and the surrounding counties.
Pinellas County
St. Petersburg, Clearwater, Largo, Pinellas Park, Dunedin, Palm Harbor, and Tarpon Springs.
Manatee & Sarasota
Bradenton, Palmetto, Sarasota, and nearby investor markets where speed can decide the deal.
Tampa Bay & Pasco
Tampa, Brandon, Wesley Chapel, New Port Richey, and surrounding west coast Florida communities.
Deal flow
A simple path from first call to funding.
- Call Ron with the deal Share the property, price, timeline, loan need, and exit strategy.
- Get a fast property review Ron evaluates the asset, location, value, LTV, and whether the deal fits.
- Review loan terms Discuss loan amount, points, rate, term, and any case-by-case factors.
- Clear docs and title Provide insurance, bank statements if needed, tax filing status, title, and closing details.
- Close and get funded Sign documents, coordinate escrow or title, and move the deal forward.
Investor proof
Built for borrowers who need direct answers.
A lender who understands renovation math.
"The review focused on the property, the numbers, and the exit. That made all the difference on a time-sensitive flip."
Fix-and-flip investorLocal knowledge, practical underwriting.
"Ron knew the market and talked through the deal like someone who had seen this type of property before."
Florida borrowerHard Money Ron Blog
Helpful reads before you call.
Hard Money Loans in Florida: A Practical Guide for Real Estate Investors
This pillar guide explains how Florida hard money loans work, when investors use them, what Ron reviews first, and why equity matters more than a bank-style borrower profile. It also connects the key supporting topics: LTV, requirements, rates, property types, loan programs, and the practical steps to prepare before submitting a deal with confidence today.
Read More
Fix-and-Flip Loans in Florida: How Investors Fund Purchase and Renovation Deals
This guide covers how Florida investors use fix-and-flip loans to buy, renovate, and resell properties when speed and property condition matter. It explains ARV, repair budgets, typical LTV thinking, renovation risk, closing preparation, and the numbers Ron needs before he can quickly judge whether a project may fit before tight deadlines compress the closing window.
Read More
Hard Money Loan Requirements: What Florida Borrowers Need Before Closing
Hard money is property-focused, but documentation still matters. This pillar explains the practical requirements Ron may review, including property details, insurance, bank statements when needed, filed taxes, LTV, property type, and exit strategy, so borrowers understand what can slow closing and what to organize before making a request well before the target closing date arrives.
Read MoreQuick answers
Hard money loan questions investors ask first.
Every loan is reviewed individually. These answers give you a practical starting point before you call.
What LTV is typical for a hard money loan?
About 65% LTV is typical. Higher LTVs may be considered on a case-by-case basis depending on the property, deal structure, and exit strategy.
Are income and credit the main approval factors?
No. Hard money is equity-based, so the property and the deal usually matter more than traditional income and credit underwriting.
What documents are usually needed?
Typical items include proof of insurance, sometimes 1-2 months of bank statements to show cash flow, and confirmation that taxes are filed annually.
What property types are acceptable?
Residential, commercial, multi-unit properties, mobile homes, and distressed or non-traditional properties may be considered.
Where does Ron lend?
Ron lends in Florida, with a focus on the west coast from Sarasota north through Pasco County.
Ready to talk through a deal?