Hard money rates and terms in Florida: what decides your quote.

There's no one rate. The cost depends on your property, your equity, your timeline, and your exit. A short call gets you a real number.

Call Ron: (727) 424-2720

NMLS #65972431+ years$100M+ placed

What decides your terms.

The cleaner the property and the exit, the clearer the terms.

Loan-to-value
Property type and condition
Location and how marketable it is
Loan size
Your timeline
Your exit

What makes up the cost.

I'll walk you through every line on the call, so there are no surprises at closing.

Interest rate: reflects the risk, the collateral, the timeline, and the structure.
Points and fees: vary by loan type, amount, and complexity.
Term: short, usually until a sale, refinance, or the end of the project.

Why I don't publish a rate.

A rate on a web page won't fit your deal. Call me with the address, value, loan amount, and timeline, and I'll tell you where it lands, with the all-in cost spelled out before you commit.

Common questions

What's the rate?

It depends on the deal. Call me for a real quote.

How many points?

It depends on the deal. I'll show you the total cost up front.

How long is the term?

Short. We pick it to match your exit.

Want a real number?

Call me. I answer my own phone.

Call Ron: (727) 424-2720

What to have in front of you

The property address
Purchase price or payoff, and value
The loan amount you want
Your plan to sell or refinance

Not all of it? Call anyway. I will tell you what I need. I only do investment property.

Call Ron