What you need for a hard money loan in Florida.

Hard money starts with the property, not your pay stubs. Here's the checklist.

NMLS #65972431+ years$100M+ placed

What I look at first.

The property, the equity, the loan-to-value, and how you'll pay it back. Credit still counts, and I'll tell you up front if it's going to be a problem.

The checklist

Property address and your value estimate
Purchase price, payoff, or the loan amount you want
Proof of insurance
1 to 2 months of bank statements, when needed
Confirmation that taxes are filed annually
A clear exit: sell, refinance, or another plan

Property types.

Residential, commercial, multi-unit, mobile homes, vacant lots, distressed assets, and other investor-owned property.

This isn't bank-style underwriting. I'm looking at whether the property supports the loan, which is why deals that stall at a bank can move here. What is loan-to-value?

Common questions

Do I need good credit?

Credit counts but isn't the whole story. Call me and I'll tell you where you stand.

What if I'm a foreign national?

Different documents, same idea. See foreign national loans.

Do you do owner-occupied loans?

No. Investment property only.

Not sure you qualify?

Call me with the address. 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