© WHERE WE LEND PORT ST. LUCIE · FL
HARD MONEY LENDER PORT ST. LUCIE
Port St. Lucie bridge, flip and DSCR money from a lender that answers the phone and closes on time.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Port St. Lucie spreads across St. Lucie County on the Treasure Coast, north of Palm Beach and built from a vast platted grid rather than a historic core. Investors come for volume: thousands of scattered lots, steady in-migration out of South Florida, and the Tradition and St. Lucie West districts pulling jobs and retail.
Port St. Lucie sits in St. Lucie County, Florida, and Loan Goat lends on investment property across the whole of it. The same programs run in West Palm Beach, Palm Bay and Coral Springs, so an investor working a corridor rather than a single ZIP code keeps one lender, one quote format and one set of terms across every file.
Loan Goat is a direct lender with in-house capital and no loan committee, headquartered in San Diego and funding across 46 states. A Port St. Lucie borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST PORT ST. LUCIE · FL
WHAT DO PORT ST. LUCIE HARD MONEY LOANS COST
Pricing a Port St. Lucie deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Port St. Lucie investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those are the published ranges, not a teaser. Where a Port St. Lucie deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT PORT ST. LUCIE · FL
WHY LOAN GOAT IN PORT ST. LUCIE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Port St. Lucie property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Mostly single-family on quarter-acre platted lots, concrete block construction from the 1980s onward, newer stucco product in Tradition, and a deep inventory of undeveloped infill lots ready for a slab. That stock is exactly what the bridge and fix and flip programs are built for.
Ground-up building on vacant lots and build-to-rent are the signature plays. Buy-and-hold rentals on CBS homes cover cash flow, and light rehab in the older western sections sells straight to relocating buyers. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
PORT ST. LUCIE DEALS, FUNDED FROM SAN DIEGO.
St. Lucie County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS PORT ST. LUCIE · FL
MOST COMMON PORT ST. LUCIE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Port St. Lucie replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Port St. Lucie auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Port St. Lucie real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working St. Lucie County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in St. Lucie County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Port St. Lucie investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable St. Lucie County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Port St. Lucie whose write-offs make a bank file impossible.
- VACATION RENTAL Port St. Lucie vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Port St. Lucie who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN PORT ST. LUCIE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES PORT ST. LUCIE · FL
PROPERTY TYPES WE FINANCE IN PORT ST. LUCIE
- MULTI-FAMILY Two to four unit buildings and small apartment stock in St. Lucie County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Port St. Lucie commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in St. Lucie County with a repositioning plan.
- OFFICE Port St. Lucie office assets being repositioned or bridged to a conventional exit.
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Port St. Lucie, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Port St. Lucie bridged to an SBA or conventional exit.
© THE APPROACH PORT ST. LUCIE · FL
HOW WE LEND IN PORT ST. LUCIE
Read the table as a promise rather than a pitch. On a Port St. Lucie deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
PORT ST. LUCIE BORROWERS, IN THEIR WORDS
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Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS PORT ST. LUCIE · FL
PORT ST. LUCIE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Port St. Lucie and across St. Lucie County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Port St. Lucie files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Port St. Lucie deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across St. Lucie County. Owner-occupied has its own program. If the Port St. Lucie asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, a construction loan covers vacant-lot builds in Port St. Lucie and elsewhere in St. Lucie County. Loan Goat funds ground-up work on scattered infill lots as a business-purpose deal, drawing on in-house capital with one decision maker instead of a committee. Bring plans and a budget, and the file moves on the project.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
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.
Self-employed borrowers -
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.
Bridge loan terms
© WHERE WE LEND PORT ST. LUCIE · FL
PORT ST. LUCIE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE PORT ST. LUCIE · FL
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