Florida
Hard Money Lender in Florida
Fix and flip, bridge, DSCR rental, multifamily and construction loans for investors across Florida, including vacation rentals and the condos that banks turn down.
Lending in Florida
Hard money, bridge and DSCR loans across Florida
Florida draws real estate investors for the same reasons it draws everyone else: growth, no state income tax, and year-round demand for places to stay. That demand takes different shapes across the state. South Florida is a condo and multifamily market. Tampa Bay and Southwest Florida are flip and rental markets with a steady stream of older houses to renovate. Orlando is the vacation-rental capital of the country. United Funding funds all of it, with fix and flip, bridge, DSCR rental, multifamily and ground-up construction loans.
Florida has a few quirks a lender has to understand. Insurance costs more here than almost anywhere else, and on a rental the premium is part of the monthly payment the rent has to cover, so we price it in from the start. Many condo buildings don't meet the standards conventional lenders require, often because of reserves, pending repairs or insurance, which rules out bank financing. We lend on those. And short-term rentals are regulated city by city, so we check that a vacation rental can operate legally before we count its income.
Files are reviewed in as little as 24 to 48 hours, bridge loans can close in as little as seven business days, and a loan officer confirms the loan amount with you on a short call. We lend across the US, so an investor based in Florida can use the same team for a deal in another state.
Coverage
Where we lend in Florida
South Florida
Miami-Dade, Broward and Palm Beach: condos, small multifamily and mixed-use buildings, and the renovation projects that come with an older coastal housing stock.
Tampa Bay and Southwest Florida
Tampa, St. Petersburg, Clearwater, Sarasota and Fort Myers: flips of older single-family homes, DSCR rentals, and new builds on infill lots.
Orlando and North Florida
Orlando, Kissimmee and Davenport for vacation rentals near the parks, plus Jacksonville, Gainesville and Tallahassee for long-term rentals and renovation projects.
What Florida investors use us for
- Buying and renovating older homes in Tampa, Jacksonville or the inland suburbs to sell, with a fix and flip loan that covers up to 100% of the rehab.
- Holding vacation rentals near Orlando or the coasts on a DSCR loan, with the income checked against local short-term rental rules.
- Financing condos that banks won't touch because of the building's reserves, repairs or insurance.
- Holding single-family and 2 to 4 unit rentals on a DSCR loan, sized so the rent covers the payment including Florida insurance.
- Bridging a fast purchase, or buying and repositioning a small apartment building before long-term financing.
Our private money loan options
Financing for every stage of the deal
Programs for buying, bridging, renovating, building and holding, each underwritten on the property rather than your tax returns.
FAQ
Lending in Florida: questions
Review takes as little as 24 to 48 hours, and a bridge loan can close in as little as seven business days. Having the insurance quote ready early is the best way to keep a Florida closing on schedule.
The premium is part of the monthly payment the rent has to cover, and Florida premiums are high. Get a real insurance quote, including wind and flood coverage where it's needed, before you count on the rent covering the payment.
Yes, as investment property. The rental has to be legal to operate where it sits, since rules differ by city and county, and its income has to cover the full payment.
Often, yes. We lend on both warrantable and non-warrantable condos. A building's reserves, repairs or insurance can rule out bank financing without ruling out ours.
Yes to both. We lend statewide and across the US, to LLCs as well as to individual investors, and we answer 24 hours a day, seven days a week.
Ready to fund your next deal?
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.