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Private Money Lenders in Florida

What Florida investors should know, with county data and city pages.

If you are weighing a private loan for a Florida investment property, start with who is lending and how the deal will be documented. Ask whether the lender must be licensed for your type of loan, verify what you can, and have an attorney review the note and security instrument. This site is an information resource and does not make private loans, but it can connect you with a licensed broker to compare regulated options.

Questions about private money lenders in Florida?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Florida foreclosure process: judicial. Section 702.01 requires all mortgages to be foreclosed in equity, meaning through a court action. Short-term loans carry real risk if the exit plan slips, so know how default is handled before you sign.

Florida LLC and business entity filings: Florida Department of State, Division of Corporations. Lenders lending to an LLC usually ask for its formation documents and good-standing record.

Where the numbers point in Florida

Counties with the most business-purpose investor loans (2024):

CountyBusiness-purpose investor loans (2024)
Miami-Dade County4,440
Broward County2,699
Orange County2,042
Palm Beach County2,034
Lee County1,901
Duval County1,738
Pinellas County1,723
Osceola County1,714
Hillsborough County1,701
Polk County1,460
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Private Money Lenders by city in Florida

Common questions

What is the difference between private money and hard money?

The terms overlap. Private money usually describes funds from an individual or a private fund, sometimes someone you know. Hard money usually describes companies that make asset-based, short-term loans as a business. Both focus on the property more than your income, and both tend to cost more than licensed bank or mortgage loans in exchange for speed. The paperwork and lender vetting matter in either case.

Is this website a private money lender?

No. This site does not lend money. It explains investor financing options and can put you in touch with a licensed mortgage broker who works with programs such as DSCR and bridge loans. If you are considering a private lender, use the steps on this page to review the deal and have an attorney look at the documents.

Are private money loans business-purpose loans?

Private loans on investment property are usually business-purpose loans and are often made to an LLC. The rules and disclosures that apply differ from a home loan, so ask the lender, and your attorney, which ones govern your deal. Business purpose does not mean anything goes. State laws on lending, interest and foreclosure can still apply, and the written agreement still controls.

Other investor loans in Florida

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansInvestor bridge loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loans

Related guides

Private Money Lenders overview · Florida investor loan overview

  • 2024 HMDA data, investment-property occupancy
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