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Hard Money Loans in Florida
Whether you're purchasing your next fix and flip, adding another rental to your portfolio, building from the ground up, or refinancing an investment property, 1st Truitt Financial provides hard money and real estate investor financing throughout Florida.
We understand that investment opportunities move quickly. Our lending programs are built for real estate investors who need competitive financing, straightforward underwriting, and a lending partner who understands the deal.
Rehab
New Construction
DSCR
Florida Hard Money Loans Built for Real Estate Investors
Traditional financing isn't always designed for investment real estate. Long approval timelines, income documentation requirements, property-condition restrictions, and rigid underwriting can make conventional financing difficult when an investor needs to move quickly.
That's where 1st Truitt Financial comes in.
We specialize in business-purpose real estate financing for investors throughout Florida, with loan programs designed around the property, the investment strategy, and the strength of the transaction.
Whether you're buying a distressed property in Jacksonville, renovating a rental in Tampa, acquiring an investment property in Orlando, or building new construction in one of Florida's growing markets, our team can help structure financing around your investment.
Financing Available for:
Fix & Flip Properties
Rental Properties
BRRRR Investments
Ground-Up Construction
Investment Property Purchases
Investment Property Refinances
Cash-Out Refinances
Short-Term and Long-Term Rentals
Florida Real Estate Investor Loan Programs
Fix & Flip Loans
Acquire, renovate, and sell investment properties with financing designed specifically for real estate investors.
Our Florida fix and flip loans can provide financing toward both the acquisition and renovation of qualifying investment properties, allowing investors to preserve capital while completing their projects.
Whether it's your first investment or you're an experienced operator completing multiple projects each year, we'll evaluate the property, project, borrower experience, and overall strength of the deal.
DSCR Rental Loans
Keep more of the properties you acquire with long-term financing designed around rental-property cash flow.
Our Florida DSCR loan programs allow qualifying real estate investors to finance rental properties primarily using the property's income potential rather than relying on traditional personal-income underwriting.
Programs are available for purchases and refinances, including options for long-term rentals and qualifying short-term rental properties..
New Construction Loans
Building an investment property from the ground up?
1st Truitt Financial offers ground-up construction financing for Florida real estate investors and builders, with programs designed to finance qualifying land, construction costs, and completed investment projects.
From individual spec homes to experienced investors expanding their construction pipeline, we can help evaluate the project and determine the appropriate financing structure.Keep more of the properties you acquire with long-term financing designed around rental-property cash flow.
Hard Money Lending Throughout Florida
1st Truitt Financial works with real estate investors throughout Florida, with a particular focus on established and growing residential investment markets.
Jacksonville
Jacksonville's large housing market, diverse residential inventory, and strong rental demand make it an attractive market for fix-and-flip, BRRRR, and long-term rental investors. We finance qualifying investment properties throughout Jacksonville and surrounding Northeast Florida communities.
Tampa Bay
Tampa Bay is one of Florida's largest real estate investment markets, offering opportunities across fix-and-flip projects, rental properties, and new construction. We finance qualifying properties throughout Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Wesley Chapel, and surrounding communities.
Orlando
Orlando and Central Florida attract investors pursuing fix-and-flip, long-term rental, and short-term rental strategies. We finance qualifying investment properties throughout Orlando, Kissimmee, Davenport, Winter Garden, Clermont, and surrounding markets.
South Florida
South Florida offers opportunities for investors seeking higher-value renovation projects, rental properties, and investment property financing. We serve qualifying properties throughout Miami, Fort Lauderdale, West Palm Beach, Boca Raton, and surrounding communities.
Southwest Florida
Fort Myers, Cape Coral, Naples, and surrounding Southwest Florida communities offer opportunities across rental properties, renovation projects, new construction, and other residential investment strategies.
Other Florida Markets
We also consider qualifying investment properties in Lakeland, Winter Haven, Ocala, Daytona Beach, Port St. Lucie, Melbourne, Pensacola, Panama City, Tallahassee, Gainesville, and other eligible Florida markets.
Have a property somewhere else in Florida? Submit the deal and let us take a look.
Why Georgia Investors Choose 1st Truitt Financial
Investor-Focused Lending
Investment real estate is what we do. We understand ARV, rehab budgets, rental income, DSCR, investment entities, and the timelines investors face when acquiring properties.
Fast Decisions
Good investment opportunities don't wait around for weeks of traditional underwriting. Our process is designed to quickly determine whether a deal fits our lending programs.
Purchase + Rehab Financing
For qualifying fix-and-flip transactions, financing can include both the property acquisition and renovation budget.
Fix, Rent, Refinance
Planning to keep the property?
We can help investors finance the acquisition and renovation and then explore refinancing the completed property into long-term DSCR financing.
That means you can work with one lending relationship from acquisition through stabilization.
Financing for LLCs
Our business-purpose lending programs are designed for real estate investors and investment entities, including qualifying LLC borrowers.
Experienced Real Estate Lending Team
1st Truitt Financial specializes in investor financing. You aren't trying to explain a fix-and-flip, BRRRR strategy, ARV, or DSCR transaction to a lender who primarily handles owner-occupied mortgages.
Experienced Real Estate Lending Team
Every investment property is different.
Instead of trying to force every transaction into the same lending box, we look at the complete deal, including:
Purchase Price
Property Value
After-Repair Value (ARV)
Rehabilitation Budget
Borrower Experience
Credit Profile
Rental Income
Exit Strategy
Our goal is simple: find the strongest financing structure available for the transaction.
FAQ
What is a hard money loan?
A hard money loan is a business-purpose real estate loan commonly used by investors to purchase, renovate, construct, or refinance investment properties. Qualification typically places greater emphasis on the property and overall transaction than traditional consumer mortgage financing.
How quickly can a hard money loan close in Florida?
Closing time depends on the transaction, property, borrower, appraisal or valuation requirements, title work, and documentation. Complete files with straightforward transactions can generally move much faster than traditional mortgage financing.
Can a hard money loan include renovation costs?
Yes. Qualifying fix-and-flip programs may provide financing for both the acquisition of the property and eligible renovation costs.
Do you lend to first-time real estate investors?
Programs may be available for first-time investors depending on credit, liquidity, property, leverage, scope of work, and the overall strength of the transaction.
Can I refinance a flip into a rental loan instead of selling it?
Yes. Investors who decide to hold a completed property may be able to refinance into a DSCR rental loan, subject to program requirements.
Do you make loans to LLCs?
Yes. Our business-purpose real estate programs commonly work with qualifying LLCs and other eligible investment entities.
Do you offer DSCR loans in Florida?
We finance qualifying investment properties throughout eligible Florida markets, including Jacksonville, Tampa Bay, Orlando, Miami, Fort Lauderdale, West Palm Beach, Fort Myers, Cape Coral, Lakeland, Ocala, and surrounding areas.
We are a local direct private lender providing fast and flexible financing to real estate investors for all kinds of projects
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