Private Lending — Florida, USA
Become a Private Lender
Do what banks do: finance real estate deals in Florida backed by first-lien mortgages. Collect interest every month and your capital is protected by a real asset.
8-10%
Annual rate
Monthly
Interest payments
~12
Avg. months term
1st Lien
First-position mortgage
I connect both sides of the market
I'm the bridge between real estate projects that need capital and investors who want to lend it.
You need capital
Private and bank financing for your Florida deals — from closing to exit.
- Bridge loans for fast closings
- DSCR with conventional banks
- Non-QM Loans for non-conventional borrowers
- Fix & Flip — acquisition + rehab
- Construction loans with draws
You want to invest your capital
Become a private lender backed by real estate in Florida.
- Acquisition, refi, fix & flip, and construction
- First-lien mortgage — real collateral on the asset
- Monthly interest payments
- Fixed 8-10% annual rate
What you get as an investor
A predictable investment with monthly cash flow and capital backed by a tangible asset.
8% to 10% annual rate
Returns significantly higher than bank CDs (~3.5%, CD 12M Treasury Yield) and Treasuries (~4.2%), with risk mitigated by real estate collateral.
Monthly cash flow
You receive interest payments every month. No need to wait until maturity to see returns — your investment generates income from day one.
~12-month average terms
Your capital isn't locked up for years. Terms of around 12 months allow you to reassess, reinvest, or access your funds in the near term.
Capital protected by a real asset
Each loan has a first-lien mortgage on a Florida property. If anything goes wrong, the property backs your investment.
Concrete investment example
Here's how a typical 12-month private loan works for an investor.
Investment
$100,000
Invested capital
Rate: ~9.3% annual
Term: 12 months
LTV: 70%
Monthly flow
$775
Monthly interest
Frequency: Every month
Total interest: $9,300
Return: ~9.3% effective
At maturity
$100,000
Capital return
Total received: $109,300
Net profit: $9,300
Collateral: Property appraised at $143K
How your investment works
Three simple steps. No surprises, no fine print.
Choose how much to invest
We discuss your available capital, your preferred term, and the return level you're looking for. There's no fixed minimum — we work with investments starting at USD 50,000.
Review complete documentation
Before investing, you review all deal documentation: property appraisal, clean title, insurance policy, borrower analysis, and exact loan terms. You decide if the deal works for you.
Collect interest every month
Once the deal closes, you start receiving monthly interest payments. At maturity, you get your full capital back. Your investment is backed by a first-lien mortgage throughout the entire process.
How does it compare to other investments?
Higher returns than traditional instruments, with the predictability of monthly cash flow and the backing of a tangible asset.
| Instrument | Annual rate | Risk | Collateral | Cash flow |
|---|---|---|---|---|
| Bank CD 12M | ~3.7% | Very low | FDIC insured | At maturity |
| High-Yield Savings | ~3.3% | Very low | FDIC insured | Monthly |
| Treasury 10Y | ~4.4% | Very low | US Government | Semi-annual |
| Private Loan | ~9.3% | Medium | Real estate (1st lien) | Monthly |
| S&P 500 (10Y avg.) | ~13.6% | High | None | Variable |
Loans Closed
Capital Managed (USD)
Years of Experience
Active Investors
9.2%
Average Annual Return
<1%
Default Rate
99%+
Capital Returned at Maturity
~11
Average Term (months)
Why Investors Trust Us
First Lien Mortgage on every deal
Title Insurance on every deal
Professional property appraisal
Professional loan servicing
Track Record
Every number represents a real deal closed successfully. No names, no identifiable data — just results.
Downtown Miami, FL
Rate
9.0%
Term
13 months
LTV
54.8%
Return: $23,836
Real deal — closing data
Wynwood, Miami, FL
Rate
9.5%
Term
13 months
LTV
55.0%
Real deal — closing data
Bal Harbour, FL
Rate
9.5%
Term
24 months
LTV
49.4%
Real deal — closing data
St. Petersburg, FL
Rate
10.0%
Term
13 months
LTV
50.6%
Real deal — closing data
Brickell, Miami, FL
Rate
8.5%
Term
12 months
LTV
59.0%
Real deal — closing data
Miami, FL
Rate
9.0%
Term
13 months
LTV
58.9%
Real deal — closing data
In Action
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Investor Tools
Calculate your returns before investing
Simulate a private loan investment, compare returns against other instruments, and analyze Fix & Flip or construction projects. All with real data.
Frequently Asked Questions
What investors ask most before getting started.
It's a loan provided by private investors (not banks) to finance real estate deals. As an investor, you lend the money and collect monthly interest, with the property as collateral through a first-lien mortgage.
We work with investments starting at USD 50,000. There's no maximum — capital is allocated to one or more deals based on your profile and availability.
Each loan has a first-lien mortgage on a Florida property. If the borrower defaults, you can foreclose and recover your capital. Additionally, the typical LTV is 65-75%, meaning the property is worth significantly more than the loan.
Interest is paid monthly, directly to your account. The typical rate is 8-10% annually, generating predictable and consistent cash flow from the first month.
The average term is 12 months, though it can range from 6 to 24 months depending on the deal type (bridge loan, fix & flip, construction). At maturity, you receive your full capital back.
Yes. Most of our investors are in Argentina and other Latin American countries. The process is designed for international investors, with clear documentation and personalized support in Spanish.
The main risks are borrower default, real estate market fluctuation, and capital illiquidity during the loan term. However, these are mitigated through conservative LTV (65-75%), first-lien mortgage position, rigorous due diligence, and title insurance.
Yes. You don't need a visa or residency to invest. You can do it three ways: through a Florida LLC (the most common), via an offshore entity, or even in your personal name. In all cases, you'll need a US bank account. The LLC can be set up remotely and only requires an EIN (tax ID number), obtainable without physical presence.
A bridge loan is short-term (6-12 months), ideal for quick acquisition or financing transitions, with rates of 9-12%. A DSCR loan is long-term (up to 30 years), based on the property's rental income, with lower rates. Each serves different investment strategies.
A judicial foreclosure process begins in Florida. As an investor, you hold a first-lien mortgage, giving you priority in repayment. The collateral (the property) backs your investment, and with a 65-75% LTV there's a significant protection margin.
There are no hidden fees for the investor. The net return communicated is what you receive. Origination points and closing costs are paid by the borrower. The entire fee structure is documented with full transparency before investing.
Typically 2-4 weeks. The process includes: deal review, document signing, loan funding, and the first interest payment is received the month following disbursement.
Want to learn more about investing?
Schedule a no-obligation consultation. I'll walk you through available deals, terms, and how the entire process works. No pressure, no fine print.