Hard Money Lender Orange County (FL)

Rates Starting at 10%

As Orange County (Florida)’s leading hard money lender, West Forest Capital is dedicated to making your real estate investment easy to financing. Our loans go up to $5million, and we pride ourselves on being the fast hard money lender in all of Florida, propelling your success in this highly competitive market.
  • We are a direct lender, not a broker
  • Same day pre-approval
  • Funding in 3-5 days, although 1 day is possible
  • Loan amounts up to $5 million

Please contact me

Property Types

Lending Parameters

Loan Size$100,000 - $3,000,000
Loan to ValueUp to 80%
Primary ResidenceNot accepted
Rental statusRented preferred but not required (can use market rents)
TermUp to 30 years
FormatFixed or Variable available
RateVaries by product, correlation with Treasury Rates
PointsTypically 2%

Cities Covered

West Forest Capital lends in the following cities in Orange County (FL):
  • Orlando
  • Apopka
  • Winter Garden
  • Ocoee
  • Winter Park
  • Maitland
  • Windermere
  • Bay Lake
  • Belle Isle
  • Eatonville
  • Edgewood
  • Lake Buena Vista
  • Oakland
  • Tangerine
  • Zellwood

Palm Beach Gardens, FL

This off-market property came to the attention of our experienced investor client through outreach efforts with homeowners in the vicinity of another project. The property required extensive renovations, including the kitchen, floors, bathrooms, paint, roof, and HVAC system. With the aid of a hard money loan, our client completed the renovations and successfully sold the property within nine months, realizing a return of nearly 200% on their initial investment.
Palm Beach Gardens

West Palm Beach, FL

In their first real estate deal, our client identified this promising opportunity in West Palm Beach. We funded 80% of their purchase price, and 100% of the renovation costs. As a Florida hard money lender, we supported our client’s acquisition strategy, confident that they purchased the property below market value. Subsequent to minor cosmetic enhancements, including carpet removal and kitchen updates, our client leased the property, and transitioned to a rental loan through refinancing.
West Palm Beach

Boynton Beach, FL

Using a cash-equivalent hard money loan bolstered our client’s offer for the property, surpassing several contenders reliant on conventional financing. Upon completing the essential repairs, the exit strategy was flexible: either a sale or conventional refinancing upon leasing the property. Eventually, our client identified an alternative fix-and-flip opportunity and decided to sell the renovated original property to procure funds for the new investment.
Boynton Beach

Why Use a Hard Money Loan

  1. Fast funding. Our efficient approach to hard money loans in Orlando and Orange County means you can get loan approval on the same day, with funding in as little as 3-5 days with an existing appraisal and title in hand. In fact, in an emergency, we can fund in just one day.
  2. Property isn’t stabilized. Traditional banks may refuse financing due to factors like the need for rehabilitation, absence of a Certificate of Occupancy (CO), or inadequate rental history. Nevertheless, as a hard money lender in Orange County, Florida we can step in to provide funding for such real estate investment properties when banks cannot.
  3. Poor credit. Don’t let that deter you. We understand that various factors can influence credit scores. That’s why we prioritize the property’s value over FICO scores or debt-to-income ratios (which we don’t take into account at all) when assessing loan applications.
  4. LLC ownership. If you prefer to own your investment property in a corporate entity (which we highly recommend), a hard money loan is easier to obtain than a commercial loan, where the bank may require personal ownership. Additionally, unlike traditional bank lenders, we have no limit on the number of Orange County hard money loans you can take.
Why Use a Hard Money Loan, Orange County (FL)
Why Choose a Orange County (FL) Hard Money Lender

Why Choose a Orange County (FL) Hard Money Lender

Seeking a hard money lender in Orange County (FL) that combines speed with convenience? Serving Orlando, Horizon West, Winter Park and extending to Apopka, our understanding of the county’s real estate market is very strong. We’ve financed an array of property types – including multiple Airbnbs – and are well-acquainted with the nuances of suburb locales such as Winter Garden and Maitland.

In fact, our hard money loans cater to any property type, fix and flip scenarios, and transactions involving duplex, triplex, quadplex, or larger multi-family buildings. We can also provide hard money loans on commercial properties in Orlando and the surrounding areas of Orange County, Florida.

Financing your Orange County (FL) Investment Property

Financing your Orange County (FL) Investment Property

Orange County (FL)’s population continues to soar, attracting a wave of businesses to the area. While tourism historically fueled the county’s economy, it has now diversified, with technology, healthcare, and education emerging as prominent sectors. Situated in Central Florida, Orange County (FL) is an ideal location for commuters. The country features a mix of urban centers like downtown Orlando, midsize cities, suburbs, and a part of the world famous Disney world. This diverse landscape caters to various lifestyles and tourists alike, making Orange County (FL) an increasingly sought-after real estate market. Part of being a successful real estate investor requires strong lending partnerships. We guarantee you speed and being easy to work with.

Asset-backed Lender Focused on Customized Solutions, Orange County (FL)

Asset-backed Lender Focused on Customized Solutions

West Forest Capital specializes in offering hard money loans in Orlando and Orange County. Our credit decisions are based primarily on the real estate investment property, and not the underlying borrower. Provided sufficient collateral value, this can result in 100% financing of the purchase price and rehab (please note this scenario is not typical but possible).

The standard loan term is one year, but a duration up to three years is possible. This extended loan term offers investors looking for additional time to stabilize their property an attractive option prior to refinancing into a long term loan or selling their real estate investment property.

Engage with us for a detailed conversation on your Orange County (FL) real estate investment plans. We work directly with owners and loan brokers.

Frequently Asked Questions

Hard money lenders serve as non-institutional, property-based financial solutions and are distinct from the lending techniques used by banks. Their approach to lending emphasizes the asset’s worth over the borrower’s credit profile. This shift in focus facilitates a more streamlined underwriting process, enabling these lenders to finalize loans within a week, far more rapidly than the banking norm. This capability is particularly beneficial for real estate investors who face strict timelines, such as auction-based foreclosure acquisitions. Hard money lenders also extend their services to properties that are typically less appealing to banks, including those awaiting a Certificate of Occupancy. Additionally, these lenders accommodate those with less than stellar credit or who are in the process of credit restoration, offering a chance at a loan despite a low FICO score. They can also be approached for refinancing purposes or to obtain cash from one’s property equity.

It’s crucial to understand that hard money lenders specialize in providing loans for investment real estate and do not extend mortgages for residential purposes. Properties funded by hard money lenders are designated for investment use and cannot serve as primary residences.

With hard money loans, borrowers enjoy the advantage of faster approval and funding compared to conventional bank mortgages, but with interest rates ranging from 9-12% due to the increased ease of obtaining these loans. Origination points tend to fall between 1 to 3 and are settled at closing. These loans typically have a short life cycle of one or two years and are disbursed in two main phases: the initial funding that covers between 65-85% of the property’s acquisition cost, and the renovation financing, which potentially covers 100% of refurbishment expenses. Note that renovation financing is only provided if there is a need, and the disbursement follows the completion of work stages. For instance, if the renovation budget is $50,000 and the borrower finishes $15,000 worth of renovation, the lender will release $15,000 and continue to do so in stages. To ensure the loan remains safe, hard money lenders cap the final total loan allocation at 65% of the property’s value post-renovation or the ARV.

Hard money financiers cater exclusively to LLCs, not individual borrowers, due to the commercial nature of these loans. Worry not, for you can easily establish your own LLC, even as its sole member.

These lenders evaluate a property’s present cost against its future value post-improvement, called ARV, to ensure repayment. A crucial aspect of the loan process is the property’s affordability in relation to the current market value. Additionally, if the loan includes repair work budget, lenders want assurances that the work stays on schedule. Before hard money loans are approved, it is pivotal that all legal issues with the property or the borrowing LLC are rectified.

Hard money lenders have a vested interest in profitable transactions, ensuring that the ARV encompasses all expenses plus a profit margin for their borrowers.

The following scenarios frequently call for a hard money loan:

  • Ideal for “fix and flip” ventures to purchase and repair properties that banks decline, with an intent to sell to end buyers.
  • Appropriate for renovating and renting out non-bankable properties, eventually refinancing through traditional banks once rental income is established.
  • Beneficial for short-notice property purchases, such as foreclosures, where bank loan timescales don’t suffice.
  • Useful for immediate refinancing against an existing property.
  • Suitable for real estate acquisition under LLCs, circumventing typical bank restrictions.

West Forest Capital is the fastest DSCR Loans Lender in New Hampshire

New Hampshire DSCR Loans Loan Lender

We fund DSCR Loans in 2-3 weeks.
Commercial and industrial loans are funded in two weeks.

If you are looking for a New Hampshire DSCR Loans Lender, give us a call.

Submit a loan request

A New York direct lender you can rely on

Skip to content Secured By miniOrange