Loan programs
Hard money funding paths for Florida real estate investors.
Ron focuses on equity-based loans for investment properties along Florida's west coast, from Sarasota north through Pasco County. Typical loans are around 65% LTV, with higher LTVs considered case by case.
Choose the right fit
Start with the deal type.
Fix-and-Flip Loans
Short-term capital for buying, renovating, and reselling investor properties.
02Bridge Loans
Temporary funding when you need to close before a sale, refinance, or permanent loan is ready.
03Commercial Property Loans
Equity-based loans for commercial, mixed-use, multifamily, retail, and office assets.
04Construction Loans
Funding for new builds, major renovations, and staged construction needs.
05Refinance & Cash-Out Loans
Use equity in existing properties to fund repairs, acquisitions, or portfolio growth.
06Distressed Property Loans
Capital for foreclosures, fixer-uppers, vacant lots, and assets banks often avoid.
07Foreign National Loans
Investor financing options for foreign nationals buying or refinancing Florida real estate.
CallNot sure?
Bring the address, numbers, and timeline. Ron can talk through which structure may fit.
Common approval lens
The property and exit strategy drive the conversation.
Hard money is equity-based. Income and credit are not usually the main approval factors. Ron looks at the asset, the available equity, the loan-to-value, the borrower’s plan, and how the loan gets paid back.
Typical items Ron may ask for
- Property address and current condition
- Purchase price, value, or payoff amount
- Proof of insurance
- 1-2 months bank statements when needed
- Confirmation taxes are filed annually