Hard Money Lender Florida — Same-Day Commitment, Close in 7 Days
Direct private hard money lender serving real estate investors across Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and all of Florida. Fix & Flip from 9.5% · DSCR rentals from 6.5% · Up to 90% LTV · No income verification. Same-day term sheet — close in as few as 7 days.
Florida Real Estate Investors' Preferred Private Lender
Florida attracted 1.2 million new residents in 2024 — creating relentless demand across every property type and market. Miami, Tampa, and Orlando rank among the top 10 US fix-and-flip markets. Florida's year-round short-term rental market makes DSCR loans on Airbnb and vacation rental properties highly effective. Sab Tera Lending serves investors statewide with same-day commitment and 7-day closings — no income verification at any stage.
Counties & Regions We Serve
- Miami-Dade County
- Broward County (Fort Lauderdale)
- Palm Beach County
- Orange County (Orlando)
- Hillsborough County (Tampa)
- Pinellas County (St. Petersburg)
- Duval County (Jacksonville)
- Sarasota & Lee Counties
- Volusia & Brevard Counties
- Osceola County (Kissimmee / Walt Disney)
Major Markets
Hard Money Loans in Miami, FL
Miami is Florida's highest-value real estate market and one of the most active fix-and-flip cities in the entire US. International buyer demand, a booming luxury rental market, and consistent population inflow from Latin America and the Northeast drive strong ARVs across neighborhoods like Little Havana, Overtown, Liberty City, Allapattah, and Wynwood. Renovated single-family homes in Miami-Dade County regularly achieve ARVs of $700K–$1.5M+, making it a high-leverage market for experienced flippers. The short-term rental market in Miami Beach, Brickell, and Downtown Miami also makes DSCR loans extremely effective for build-to-rent and vacation rental investors.
Sab Tera Lending closes Miami hard money loans in 7–14 days — all paperwork handled remotely. Fix & Flip up to 90% LTV, DSCR rental loans from 6.5% on 30-year terms. No W-2s, no tax returns, no income verification at any stage.
Hard Money Loans in Orlando, FL
Orlando is one of the fastest-growing metros in the US and the nation's #1 short-term rental market, driven by Walt Disney World, Universal Studios, and year-round tourism. Orange County and neighboring Osceola County (Kissimmee) generate some of the highest short-term rental yields in the country, making DSCR loans on Airbnb and VRBO properties especially powerful here. For fix-and-flip investors, neighborhoods like College Park, Parramore, Pine Hills, and Winter Garden offer strong value-add inventory with solid ARVs supported by a massive transplant buyer pool from high-cost cities. Williamsburg and Clermont in Lake County are emerging suburban flip markets worth watching.
Our DSCR loans in Orlando can qualify using projected STR income — no actual rental history required. Hard money fix and flip loans close in 7 days. For BRRRR investors, we fund both phases: the acquisition/renovation with hard money and the refinance with a DSCR loan, with no income verification at either stage.
Hard Money Loans in Tampa, FL
The Tampa Bay metro — encompassing Tampa, St. Petersburg, Clearwater, Brandon, and Wesley Chapel — is one of Florida's most balanced investment markets, combining strong fix-and-flip margins with excellent buy-and-hold rental fundamentals. Hillsborough County has seen above-average population growth driven by tech and finance company relocations, while Pinellas County (St. Pete and Clearwater) offers a thriving short-term rental market on the Gulf Coast. Neighborhoods like West Tampa, Seminole Heights, Ybor City, and New Tampa offer genuine value-add opportunities for fix-and-flip investors targeting the relocation buyer pool. Average Tampa flip profit runs approximately $55K–$70K gross.
We close Tampa hard money loans in 7–14 days. Fix & Flip up to 90% LTV, multifamily bridge loans for 5+ unit buildings, and DSCR rental loans for Gulf Coast STR properties. Vacant and distressed properties are welcome — we fund what the banks won't touch.
Hard Money Loans in Jacksonville & Fort Lauderdale, FL
Jacksonville is Florida's largest city by area and one of its most affordable investment markets, with median home prices around $290K — offering substantial spread for fix-and-flip and BRRRR investors. Duval County neighborhoods including Springfield, Riverside, Brentwood, and Murray Hill have been undergoing consistent revitalization, with renovated homes attracting both local buyers and an increasing number of remote-worker transplants from higher-cost cities. Jacksonville's strong military presence (Naval Air Station Jacksonville, Blount Island Command) supports steady rental demand from service members and civilian contractors.
Fort Lauderdale and Broward County offer a completely different profile — high-density coastal market with strong investor activity in Pompano Beach, Deerfield Beach, Hollywood, and Hallandale Beach. Short-term rental demand is year-round. We close hard money loans in Jacksonville and Fort Lauderdale in 7–14 days with no income verification required.
Hard Money Loans Available in Florida
Four core programs — all with same-day commitment and the fastest closings in the market.
Buy, renovate, and sell for profit. Up to 90% purchase + 100% rehab. Close in 7 days.
Long-term & short-term rental financing. Qualify on property income — no W-2s. 30-year terms. STR income accepted.
Apartment buildings and value-add acquisitions. No minimum occupancy. Close in 14–21 days.
Mixed-use, retail, office, industrial, self-storage. Asset-based. Close in 14–21 days.
Why Florida Investors Choose Sab Tera First
"Three flips in Miami-Dade in one year, all funded by Sab Tera. Same-day term sheet every time. They understand Miami's speed — if you wait a week for a term sheet the deal is gone. These guys move as fast as the market does."
"I own 4 Airbnb properties near Disney. Sab Tera funded my DSCR loans using projected STR income — no W-2s, no tax returns. As a full-time investor without conventional income, this is the only lender model that works for me. Three closings in under 21 days."
"12-unit apartment building in Tampa, partially vacant. Sab Tera funded a multifamily bridge loan in 16 days. Now 95% occupied and I'm refinancing into permanent debt. They funded what no bank would — and did it at the speed Florida deals require."
Hard Money Loan FAQs — Florida
Get a Florida Hard Money Loan Today
Same-day commitment · Close in 7 days · No income verification · Serving all Florida markets