We finance Purchases for all property types
Financing for all eligible Florida residential, investment or commercial properties
FLORIDA INVESTMENT & COMMERCIAL PROPERTY
Private Funding Made Easy!
Property focused financing for purchases, business-purpose cash-out refinancing, and unfinished construction projects based on the property’s quality, condition, and location
- No Documents
- No Credit Reports
- No 1003 Applications
- No Bank Statements
- No Tax Returns
- No Sourcing of Funds
Acquire. Cash-Out. Build.
- $250K–$5MLoan amounts
- Up to 60% LTVMaximum loan-to-value
- 24 monthsInterest-only plus escrows
- Fast FundingUsually in 5 to 7 days.
A Property-Focused Approach
Private Funding for Florida investment & commercial properties
Financing focuses on the property's quality, condition, and location rather than the borrower's credit history, financial information, or bank statements. No underwriter is required. Financing remains subject to property review, applicable program requirements, and final loan approval.
Financing Purposes
Three ways to finance your property
Cash-out Refinancing for all property types
Access your equity for business purposes. Cash-out refinancing for eligible properties
Funding for unfinished Construction Projects
Let us fund your unfinished construction project to completion.
All loan funds must be used for business purposes only—not for personal or household expenses.
Eligible Property Types
Residential investment and commercial
Residential investment properties
- One- to four-family residences
- Warrantable and non-warrantable condominiums
- Vacation rentals
- Investment properties
Residential investment properties only. Owner-occupied primary residences are not eligible.
Commercial properties
- Office
- Rental Properties
- Warehouses
- Retail
- Strip malls
- Vacant Land & Lots
- Wedding Venues
- Rehabilitation Centers
- Adult Living Facilities
- Self-Storage Facilities
Owner-user and investment commercial properties may qualify.
Commercial owner-user eligibility does not extend to residential property. Owner-occupied residential properties are excluded.
Loan Terms
The program at a glance
| Minimum loan | $250,000 |
|---|---|
| Maximum loan | $5,000,000 (Loans over $1,000,000 need supporting documentation) |
| Loan-to-Value Range | 50% to 60% |
| Term | 24 months |
| Payments | Interest-only plus escrows. Note: Interest-only payments do not reduce principal. The full loan balance remains due at the end of the term or when the loan is paid off |
| Extensions | Available, depending on the scenario; not automatic or guaranteed. |
| Starting interest rate | Rates start at 9.5% for non-owner-occupied investment properties. Starting interest rate, not APR. Your rate depends on your scenario and is not guaranteed. Do not assume this starting rate applies to every loan. |
Eligibility Requirements
Requirements that apply to every property
- Florida properties only
- Rural properties are not eligible
- Properties located within designated FEMA flood zones are not eligible
- Property must be titled in a business entity (LLC, Trust, Corporation, etc.)
- Loans must close in an approved business entity with an issued EIN
- Funds must be used for business purposes only—no personal uses
- Owner-occupied residential properties are not eligible
- Owner-user commercial properties may qualify
Borrower Documentation
No documentation required
- No borrower documents
- No credit reports
- No 1003 applications
- No bank statements
- No tax returns
- No sourcing of funds
No borrower documentation is required. Property title and closing must still meet the business-entity and issued-EIN requirements above.
Loan commitment within 24 to 48 hours
No underwriter required. You can receive a loan commitment letter within 24 to 48 hours. A commitment remains subject to property review and applicable program requirements; this is not a guarantee of approval.
Foreign Nationals
Non-owner-occupied financing for foreign nationals
We fund non-owner-occupied loans for foreign nationals from any country, any place, for eligible Florida properties. An in-house attorney can handle all closings quickly.
A clear conversation about your property
Discuss your Florida property and financing needs with 1st Florida Lending. A loan specialist can explain the program requirements and the details that need property-specific review.
- Review property quality, condition, and location
- Understand loan amounts, fees, and maturity
- Confirm residential or commercial eligibility
- Discuss the requirements before proceeding
Discuss Your Property
Private Funding Request Form
Start by completing our simple questionnaire. Once we receive your request, we will email your Borrower Application through DocuSign so you can add a few more details, review, and sign. After you submit it, we will issue a conditional loan commitment within 24 to 48 hours along with instructions for the next steps to obtain funds.
Let's discuss your eligible Florida property
Review purchase, business-purpose cash-out refinance, or ground-up construction with a loan specialist.
Private Funding: Key Terms & FAQs
Disclaimer
Financing is subject to property review, applicable program requirements, and final loan approval. This page is not a commitment to lend. Program terms are subject to change.