Private MoneyPrivate Money Loans in Florida for Real Estate Investors
Fix & flip, DSCR rentals, bridge, ground-up construction, and hard money loans for Florida investors — funded in days, not months. Asset-based underwriting. No W-2 required. 100+ investor lenders.
Get matched to the right Florida program
A Mortgage Houz private money specialist will contact you within 4 business hours. Click below to submit your info and get started.
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4 Private Money Programs for Florida Investors
One broker, 100+ lenders — matched to your deal, your experience level, and your timeline.
Program A — Investor Specialist
Experience-tiered pricing for fix & flip, bridge, DSCR, multifamily 5+, and ground-up construction in Florida. Rates improve with deal count. 100% rehab costs. No prepay on F&F.
Rates from 9.64%Program B — Tech-Powered Lending
Technology-powered investor lending. $100K–$5M. Bridge, fix & flip, construction for SFR and 2–4 units. 48-hour draw release. Requires 1 prior investment.
Loans $100K–$5MProgram C — Hard Money Direct
One of the fastest-growing direct asset-based hard money programs in the U.S., serving Florida investors. $1B+ closed. 24–48 hour approvals. Interest-only fix & flip with no prepay.
Approval in 24–48 hrsProgram D — Equity-Based
Private money based on property equity in Florida — no minimum FICO, no income verification, no upfront fees. SFR, multifamily, commercial, land. Fund in 7–15 days.
Fund in 7–15 days| Min FICO | Loan Range | Top Use Case | Speed | |
|---|---|---|---|---|
| Program A | 650 | $100K–$5M+ | Fix & Flip / DSCR / Construction | Days |
| Program B | 650 | $100K–$5M | Fix & Flip / Bridge / Construction | 48-hr draw |
| Program C | Flexible | Custom | F&F / DSCR / Commercial | 24–48 hr |
| Program D | None | $50K–$3M+ | All types incl. land | 7–15 days |
Hard Money & Private Money Lending Across Florida
Mortgage Houz (NMLS #2755375) works with real estate investors throughout Florida — from Miami and Orlando to Tampa and Jacksonville — on fix & flip, DSCR rental, bridge, ground-up construction, and equity-based hard money loans. Every program is asset-based: we underwrite the deal and the property, not your W-2 or tax returns, so Florida investors can move at the speed a competitive market demands.
Whether you're closing your first fix & flip in Miami or scaling a rental portfolio near Orlando, our specialists match you to the Florida-eligible program with the best rate, leverage, and timeline for your experience level.
One Broker. 100+ Lenders.
Close in days, not months
Asset-based underwriting means fast decisions and faster funding for Florida deals — some programs close in as little as 7 days.
No W-2 or tax returns
Qualify based on property value, equity, or cash flow — not personal income or employment history.
All property types
SFR, 2–4 unit, multifamily 5+, mixed-use, commercial, land, and new construction across Florida.
LLC & entity vesting
Close in your LLC, trust, or corporation for maximum asset protection and pass-through tax efficiency.
No upfront fees (select programs)
Several programs charge zero fees upfront — you only pay at closing after your deal is funded.
Bad credit? Still options.
Program D has no minimum FICO. Bankruptcy history may still qualify on equity-based underwriting.
Florida Private Money Loan FAQs
Does Mortgage Houz offer private money loans in Florida? +
Yes. Mortgage Houz (NMLS #2755375) works with a network of 100+ private and hard money lenders to fund fix & flip, DSCR rental, bridge, ground-up construction, and equity-based loans for investors purchasing or refinancing property in Florida.
What credit score do I need for a hard money loan in Florida? +
It depends on the program. Programs A and B require a 650 minimum FICO, Program C's minimum varies by lender, and Program D has no minimum FICO requirement at all — it's underwritten on property equity.
How fast can I close a fix & flip loan in Florida? +
Most Florida deals can close in as little as 7–15 business days once your file is complete, since these are asset-based programs that don't require W-2s or tax returns.
Can I close in an LLC or entity in Florida? +
Yes. LLC, trust, and corporate vesting are accepted across our programs, and Program B requires entity vesting. This is common for Florida investors looking to maximize asset protection.
Does Mortgage Houz charge upfront fees for Florida loans? +
Program D charges zero upfront fees — you pay nothing until your deal closes. Fees on other programs vary by lender and are disclosed before you commit to anything.
Ready to fund your next Florida deal?
Get matched to the right private money program in minutes — no hard credit pull.
Call (321) 201-0436