Hard Money Loans in Jacksonville, FL
Find lenders offering hard money loans in the Jacksonville, including St. Augustine, Orange Park, Ponte Vedra Beach, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Jacksonville?
15 lenders offering hard money loans in the Jacksonville, FL area.
Lending One
LocalBoca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
LocalFL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
What does the Jacksonville commercial real estate market look like?
Jacksonville is the largest city by land area in the contiguous U.S., offering extensive development capacity that keeps commercial land costs well below South Florida levels. The Southside/Gate Parkway corridor houses major financial operations for Deutsche Bank, FIS, and Black Knight, while JAXPORT's growing container volumes have spurred industrial development along the Northside and Westside. Downtown Jacksonville is undergoing revitalization with the former Shipyards site and Lot J project adjacent to TIAA Bank Field. The city's military presence — Naval Station Mayport and Naval Air Station Jacksonville — provides a stable economic anchor and drives demand for government-contracted office and industrial space.
Key Economic Drivers
- ●JAXPORT container terminal expansion and Northside logistics corridor
- ●Financial services operations centers for FIS, Black Knight, and Deutsche Bank
- ●Naval Station Mayport and NAS Jacksonville military-driven demand
- ●Downtown Shipyards and Lot J redevelopment catalyzing urban core investment
Market Insight
Jacksonville offers a Qualified Target Industry Tax Refund program that can provide $3,000 to $6,000 per job created for qualifying businesses, and the city's Northside industrial corridor benefits from a Foreign Trade Zone designation that reduces duty costs for import-dependent tenants.
How do hard money loans work in Jacksonville, Florida?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the Jacksonville metro area, borrowers can access 15 lenders offering Hard Money financing, including St. Augustine, Orange Park, Ponte Vedra Beach, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in Jacksonville FAQ
How many Hard Money lenders serve Jacksonville, FL? ▼
What are Hard Money loan rates in Jacksonville? ▼
Is hard money the same as a bridge loan? ▼
Can I get a hard money loan with bad credit? ▼
Where else can I find hard money loans in Florida?
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