OUR PRIVATE MONEY FUNDING IS A TRUE NO DOC LOAN
Private Funding for Florida Investment & Commercial Property.
Funded by a private investor, not a bank. We look at the property's quality, condition and location, so there are no credit checks, income documents or tax returns.
- No credit check
- No SSN required
- No income documents
- $250K–$5Mloan amounts
- Up to 60% LTVof the property value
- 5 to 7 Daysusual funding time
- 24–48 Hoursloan commitment letter
- 24 Monthsinterest-only term
- From 9.5%starting rate, not APR
WHY PRIVATE FUNDING
The property qualifies, not your paperwork
No credit reports, bank statements, tax returns, 1003 applications or sourcing of funds, and no underwriter. You need identification and funds to close, and the loan closes in an approved business entity with an EIN. That's why deals can move as fast as you need them to.
3 Purposes
Purchase, cash-out or construction
Buy, take cash out with a refinance, or finish an unfinished construction project.
Any Country
Foreign nationals welcome
for non-owner-occupied investment properties in Florida.
Eligible Florida properties
- 1–4 family investment homes
- Warrantable and non-warrantable condos
- Vacation rentals
- Office, retail and strip malls
- Warehouses and self-storage
- Vacant land and lots
HOW IT WORKS
Three simple steps to funding
- 1
Send your property details
Use the short form below. It asks only about you and the property, never your Social Security number or bank information.
- 2
Sign your Borrower Application
Your loan officer emails it to you through DocuSign to review and sign.
- 3
Receive your commitment
Get a Conditional Loan Commitment Letter within 24 to 48 hours of your signed application. Funding usually takes 5 to 7 days.
Private Funding Request
Tell us about the property. This is not a loan application, and we never ask for your Social Security number, bank information or financial documents here.
Frequently Asked Questions
Q1- Do you check my credit or income?
No. There are no credit reports, income documents, bank statements or tax returns. You'll need identification and funds to close.
Q2- How does the property need to be titled?
Title must be held by a business entity such as an LLC, Trust, Corporation, and the loan closes in an approved business entity with an issued EIN.
Q3- Can I use it for the home I live in?
No. Private funding is for business purposes and investment or commercial properties only. Owner-occupied homes are not eligible.
Q4- Which properties are not eligible?
Properties outside Florida, rural properties and properties in designated FEMA flood zones.
Q5- What does it cost?
Rates start at 9.5% for non-owner-occupied investment properties. That is not an APR; your rate depends on the scenario and is not guaranteed. The funder's origination fee is 2% at closing, the due diligence fee is $1,250 when the loan commitment is issued, and a 3% prepayment penalty applies during the first year only.
Q6- What happens at the end of the term?
The loan is interest-only for 24 months, with the principal due at maturity or payoff. You can generally request one extension of 1 additional year, usually for 1 to 2 points. Extensions are not automatic or guaranteed.
Q7- Are larger loans handled differently?
Loans over $1,000,000 need supporting documentation.
Q8- Can I use this page in Spanish?
Yes. Tap ES at the top of the page to read it and fill out the form in Spanish.
This is not a commitment to lend. A Conditional Loan Commitment Letter is not a guaranteed approval. All loans are subject to property eligibility and the funder's terms. Business-purpose loans only. Rates, terms and fees may change without notice.