Hard Money Loans in Orlando, FL
Find lenders offering hard money loans in the Orlando, including Kissimmee, Sanford, Winter Park, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Orlando?
15 lenders offering hard money loans in the Orlando, 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 Orlando commercial real estate market look like?
Orlando's commercial real estate market extends well beyond its tourism base, with the Lake Nona Medical City attracting major healthcare and life sciences tenants, and the University of Central Florida Research Park generating demand for tech-oriented office space. The International Drive corridor remains the hospitality epicenter, but submarkets like Downtown Orlando, Maitland Center, and Lake Mary have diversified the office market. Industrial demand has surged along the Florida Turnpike and SR-429 corridors as distribution companies seek central Florida positioning. The metro's population growth — consistently among the top five nationally — underpins strong multifamily and retail fundamentals.
Key Economic Drivers
- ●Lake Nona Medical City and VA hospital campus expanding healthcare and life sciences demand
- ●Theme park and hospitality ecosystem along International Drive and surrounding corridors
- ●University of Central Florida Research Park technology and defense tenants
- ●Population growth driving retail and multifamily demand in suburban corridors like Lake Nona and Horizon West
Market Insight
Orlando's Creative Village, a 68-acre mixed-use development in the downtown core, is anchored by UCF's downtown campus and has generated over $1 billion in planned public and private investment, creating new office and multifamily opportunities adjacent to the Amtrak SunRail station.
How do hard money loans work in Orlando, 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 Orlando metro area, borrowers can access 15 lenders offering Hard Money financing, including Kissimmee, Sanford, Winter Park, 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 Orlando FAQ
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What are Hard Money loan rates in Orlando? ▼
Is hard money the same as a bridge loan? ▼
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Where else can I find hard money loans in Florida?
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