Fast Hard Money Loans for Florida Real Estate Investors
Florida Hard Money Group funds fix-and-flip, bridge, and new construction loans across all Florida counties. No banks. No income verification. Close in as little as 2–10 days.
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Takes 60 seconds. No credit pull required.
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A member of our team will contact you within 1 business hour to discuss your loan.
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Funding for every deal you bring us
Whether you're flipping your first property or scaling a portfolio, we have a loan program built for your strategy.
Fix & Flip Loans
Short-term capital to acquire and rehab investment properties. We cover the purchase and 100% of your rehab costs so you can move fast.
- Rates starting at 7.9%
- 90% of purchase price funded
- 100% rehab costs covered
- 6–24 month terms
- Interest-only payments
- No prepayment penalty
New Construction
Ground-up construction financing for builders at every level. First-time developers welcome — we fund the vision, not just the track record.
- Rates starting at 9%
- 90% LTC
- 12–36 month terms
- $250k minimum — no maximum
- 1st-time developers welcome
- Draw schedule financing
DSCR Rental Loans
Long-term rental financing qualified on the property's cash flow. Ideal for investors growing a rental portfolio — purchase or refinance.
- Rates as low as 5.5%
- SFR, 2–4 units, 5+ units & mixed use
- 12-month & 30-year options
- Purchase & cash-out refinance
- Qualify based on property cash flow
- Short-term rentals (Airbnb/VRBO)
DSCR Refinance
Refinance your rental property based on its cash flow. Pull out equity or lock in better long-term terms.
- Rates as low as 5.5%
- SFR, 2–4 units, 5+ units & mixed use
- 12-month & 30-year options
- Cash-out & rate/term refinance
- Qualify based on property cash flow
- Investment properties only
From application to funding in 2–10 days
No lengthy bank reviews. No waiting around. Our streamlined process gets you funded fast.
Apply Online
Submit our short 60-second form. No credit pull. No income verification required — just the basics about your deal.
Get Your Terms
We review your deal and send a term sheet within 24 hours. Clear rates, terms, and timeline — no surprises.
Appraisal & Approval
We order a fast appraisal and finalize underwriting. Most deals are fully approved within 3–4 business days.
Close & Fund
Sign at closing, get your funds wired. Go buy the deal. As fast as 2–10 days from application.
Built for investors, not banks
We're not underwriting to a checkbox. We're looking at the deal — the numbers, the market, and the opportunity.
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Asset-based lending
We lend based on the asset and the deal. Straightforward process — your deal drives the approval.
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Statewide coverage
All 67 Florida counties. Rural properties, suburban flips, urban multifamily — we fund across the whole state.
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Investor-first terms
Interest-only payments, flexible draw schedules, and no prepayment penalties on most programs.
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Real people, fast answers
You'll work directly with a loan officer who knows Florida real estate — not a call center.
Lending across all of Florida
From the Panhandle to the Keys — if there's a deal, we can fund it.
Get your hard money loan quote today
Takes 60 seconds. No credit pull. No income verification.
Apply Now — It's FreeOr call us directly
(401) 266-1929