Hard Money Lender in Florida
Sab Tera Lending is the preferred direct private lender for real estate investors across Florida. Same-day commitment on Fix & Flip, DSCR Rental, Multifamily 5+, and Commercial Real Estate loans. Close in as few as 7 days — no income verification required.
Florida Real Estate Investors' Preferred Private Lender
Florida attracted 1.2 million new residents in 2024 — the most of any state — creating relentless demand across every property type. Miami, Tampa, and Orlando rank among the top 10 US fix-and-flip markets. Florida's strong short-term rental market makes DSCR loans on Airbnb properties extremely popular. Sab Tera Lending serves investors statewide with same-day commitment and 7-day closings.
Counties & Regions We Serve
- Miami-Dade County
- Broward County
- Palm Beach County
- Orange County (Orlando)
- Hillsborough County (Tampa)
- Pinellas County
- Duval County (Jacksonville)
- Sarasota County
Major Markets
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 buy and hold. Qualify on property income. 30-year terms. Vacant properties OK.
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
"Found a distressed property in Miami at auction that needed a fast close. Sab Tera had my commitment in hours and we closed in 10 days. I was competing against 5 other buyers — I won because of Sab Tera's POF letter and their ability to actually execute. Real results."
"I used their DSCR loan for a short-term rental near Disney qualified on projected Airbnb income — no personal income docs. 30-year fixed at 6.5%. Perfect for my hold strategy. Already have three more properties in the pipeline with them."
"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