Can you finance a condo special assessment? +
Yes — this is one of our most common requests. Florida's SB 4-D building inspection laws have triggered a wave of mandatory structural assessments and reserve funding requirements for condominiums. We provide loans specifically to cover special assessment payments, from a few thousand dollars up to $250,000 per unit. We can fund in as few as 3–5 business days for straightforward situations, which is often enough time to meet HOA payment deadlines and avoid liens on your unit.
We're an HOA board — can you finance the project directly for the association? +
Yes. We work with both individual unit owners and HOA or condo association boards. For boards, we offer direct project financing — we fund the repair or improvement project upfront, and the association repays over time as it collects contributions from members. This lets the board act immediately on urgent repairs (structural work, roofs, elevators, fire systems) without having to wait for a full special assessment to be collected. We work with self-managed associations and those managed by third-party management companies. Minimum project size is $50,000.
My HOA has placed a lien on my unit for unpaid dues — can you help? +
Yes. An HOA or condo association lien in Florida is serious — it can escalate to foreclosure proceedings faster than most owners realize, and it prevents you from refinancing or selling until it's cleared. We offer lien payoff loans that fund the full outstanding balance including interest and attorney fees, allowing you to clear the lien quickly and restore your standing in the association. Contact us as soon as you receive a lien notice — the earlier we engage, the more options are available.
My insurer is requiring a new roof to renew my policy — can you help? +
Yes. Florida's insurance market has made this one of the most common financing requests we receive. Insurers are non-renewing policies on homes with roofs older than 15–20 years, and some are requiring replacement before the next hurricane season. We provide fast financing for full roof replacements, typically funding within 5–14 business days. We work with the roofing contractor directly in many cases and can structure payments to align with the work schedule.
Do you work with borrowers in foreclosure? +
Yes. We specifically work with property owners in pre-foreclosure or active foreclosure. Florida's foreclosure process gives us a window to structure a solution — but time matters. The sooner you reach out, the more options we have available. Contact us as soon as you receive any legal notices from a lender or court.
What credit score do I need to qualify? +
There is no hard credit score minimum. We are asset-based lenders — what matters most is the value of your property, the amount of equity, and the clarity of title. Borrowers with credit scores below 600 qualify regularly through our programs, provided the property supports the loan. We never use your credit score as the sole basis for a decision.
How fast can you actually close? +
For bridge loans with clean title and clear property value, we can close in as few as 7 business days. Most standard deals close in 10–21 days. More complex situations — contested title, multiple liens, commercial properties — can take 3–5 weeks. We'll give you a realistic timeline after our initial call, not a number designed to win your business.
What types of Florida properties do you finance? +
We finance single-family homes, 2–4 unit residential, multifamily buildings (5–20 units), commercial retail, strip centers, and mixed-use properties. All collateral must be located in Florida. We currently do not finance vacant land without structures, manufactured homes not permanently affixed to land, or properties in active litigation.
Is there an application fee or cost to apply? +
No. Submitting a financing request through this portal is completely free and has no impact on your credit score. We only charge fees at closing, and all costs are clearly disclosed in your loan terms before you commit to anything. If we can't help you, you owe us nothing at all.
What is the maximum loan-to-value (LTV) you'll lend to? +
Our standard maximum is 65% LTV for bridge and short-term loans, and up to 70% LTV for fix-and-flip based on after-repair value (ARV). For cash-out refinances, we typically go up to 60% LTV. We use independent third-party property valuations — not seller estimates or Zillow — to determine the lending value of your property.
I have a property in Miami or Broward County — can you help? +
We primarily focus on Tampa, Orlando, Jacksonville, and secondary Florida MSAs where we have the deepest local expertise. We handle some Broward and Miami-Dade inquiries selectively. Submit your request and we'll let you know quickly whether we can move forward — we'd rather give you an honest answer upfront than waste your time.
What happens after I submit the financing request form? +
Within 1 business day, a Florida-based loan specialist will call you directly at the number you provided. That conversation takes about 10–15 minutes. We'll go over your situation, ask a few clarifying questions, and give you a direct answer: yes we can help, and here's how — or no we can't, and here's why. No pressure, no obligation.
Do you offer construction loans for ground-up builds in Florida? +
Yes. We provide construction financing for residential ground-up builds (single-family, townhomes) and small multifamily and mixed-use developments. Funds are disbursed in draws tied to construction milestones — foundation, framing, rough-in, drywall, completion. We work with custom builders, spec builders, and developer-borrowers. Loan-to-cost up to 80% for residential, up to 75% for multifamily and mixed-use. Minimum loan is $150,000. We understand Florida permitting timelines, which vary significantly by county and municipality.
What is a DSCR loan and do I need to show income to qualify? +
A DSCR (Debt Service Coverage Ratio) loan is a rental property loan underwritten on the property's rental income relative to its debt payments — not on your personal income or tax returns. If the property's rent covers the mortgage payment (DSCR of 1.0x or higher), you can qualify without providing W-2s, pay stubs, or personal tax returns. This makes DSCR loans ideal for self-employed investors, those with complex tax situations, or investors with large existing portfolios whose personal DTI no longer qualifies for conventional financing. We offer DSCR loans for 1–4 unit rentals and small multifamily, with 30-year fixed options available.
What's the difference between your bridge loan and your hard money loan? +
Both are short-term, asset-based loans — but they serve slightly different situations. Bridge loans are typically used to bridge a financing gap: buying before selling, holding a property during stabilization, or spanning the time between an acquisition and permanent financing. Hard money loans are specifically designed for speed and distressed acquisitions — foreclosure auction purchases, REO deals, and off-market opportunities where closing in 3–10 days is the priority. Hard money rates are generally higher to reflect the speed and flexibility. We can help you determine which structure fits your deal on our initial call.
Can you finance a portfolio of rental properties under one loan? +
Yes. Our portfolio blanket loan allows investors with 3 or more Florida properties to consolidate financing under a single loan, cross-collateralized across all assets. This simplifies your capital stack — one payment, one closing, one lender relationship — and often unlocks better terms than financing each property individually. We underwrite based on the blended cash flow and value of the portfolio. Minimum portfolio value is approximately $300,000. This program is also available for REO bulk acquisitions where an investor is purchasing multiple properties simultaneously.