Hard Money Lending in Monroe County

Moving at the Speed of the Deal

In an active market, financing is what separates the offer that gets accepted from the one that does not. Monroe County is a coastal county in the Florida Keys, and its county seat is Key West.

A hard money loan is built for that. The review is on the property rather than a borrower's paperwork, so the work that usually takes weeks is not part of the timeline.

You get a rate the same day and a closing measured in days.

What We Lend On in Monroe County

• Purchase and bridge

  Acquisition and short-term financing on investment property, including deals with a closing date a bank cannot meet.

• Fix and flip

  Purchase plus renovation on property that will be improved and resold.

• Cash-out refinance

  Equity out of property already owned, whether for the next acquisition or to clear existing financing.

• Non-conforming situations

  Foreign national borrowers, self-employed borrowers, and files that do not fit a conventional box.

What We Need From You

The property, what you are doing with it, and how the loan gets repaid. No tax returns, no upfront fees, and no junk fees.

If the numbers work, we move. That has been the approach on Monroe County property and everywhere else in Florida we lend.