HARD MONEY LENDER FLORIDA

Yes, Loan Goat funds business-purpose real estate loans across Florida, including Miami, Jacksonville, Tampa, Orlando, St. Petersburg, Hialeah, Fort Lauderdale, Hollywood, Pembroke Pines, Cape Coral, Port St. Lucie and Tallahassee. We are a direct lender with in-house capital, part of $1.5B+ funded across 46 states since 2022. Non-owner-occupied investment property is the core of what we do, from a single flip to business purpose bridge.

Yes, standard close is 5 to 7 days, and a clean bridge file can fund in as fast as 3 days. Send the address, the purchase price and your exit plan. Because we underwrite the property and hold the capital in house, there is no committee stalling your Hialeah or Miami closing while a seller shops that contract to the next buyer in line.

Yes, rental property loans on the DSCR model qualify on the property's income, which suits vacation rental product in Orlando, Cape Coral and St. Petersburg. Buy it on bridge, stabilize it, then refinance into a longer hold. We look at the asset and the plan rather than your personal tax picture, and there is no prepayment penalty if you sell instead.

Bring them. Fort Lauderdale, Hollywood and Pembroke Pines run on mid-century walk-ups, converted duplexes and condo inventory, and those deals fail at banks for association, occupancy or condition reasons. Loan Goat lends on the property. Bridge, commercial and blanket loans cover the building or the whole portfolio, and second and third mortgages can pull equity out of what you already hold in Broward.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.