Call: 212-537-5833

West Forest Capital

Private Money Lenders West Palm Beach

Rates Starting at 10%

As a direct lender, West Forest Capital specializes in financing real estate investments. We understand the urgency of the competitive real estate market and pride ourselves on being the fastest hard money lender in the state.

Key Features:

  • Direct lender, not a broker
  • Same day pre-approval
  • Funding typically provided in 5-12 days, with the potential for 1-day funding
  • Loan amounts available up to $5 million

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Property Types

Investment Opportunities in a Variety of Real Estate Asset Classes:

Lending Parameters

Loan Size$100,000 to $5,000,000
LTCUp to 80% of purchase price
Rehab Funding 100%
LTVUp to 70% of the ARV
TermStandard is 12 months. 24-36 months is available
LienFirst lien; second lien as additional collateral only
Interest Rate 10%–12.5%
Points1.5–2% of the loan amount

Recently Funded Hard Money Loans in Florida

Palm Beach Gardens , FL​

Palm Beach Gardens , FL

Our client is an experienced investor in the Palm Beach County area and found this off-market home after contacting homeowners in the vicinity of another project.  While the home was livable, it was not updated, and needed significant repairs (kitchen, floors, bathrooms, paint, roof, HVAC).  Utilizing a Palm Beach County hard money loan in Palm Beach Gardens, our client completed the work and sold the home in a 9 months period, yielding nearly a 200% gain on his original investment.

West Palm Beach, FL

West Palm Beach, FL

This was our client’s first real estate deal.  Our client sought to take advantage of the momentum in West Palm Beach’s real estate market and anticipated rent increases in the area.   Although this was a new real estate investor, they received 80% of the purchase price and 100% of the rehab costs.  As a local Palm Beach hard money lender in West Palm Beach, we were comfortable that our client was buying below market in this building.  After doing cosmetic repairs (primarily removing the carpet and updating the kitchen), our client found a great tenant and refinanced into a rental loan.

Boynton Beach, FL​

Boynton Beach, FL

Our client obtained a Palm Beach County hard money loan in Boynton Beach to booster his offer for the property which beat out several other offers with conventional financing.  After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.

Why Use a Hard Money Loan

  1. Get Funding Fast: At West Forest Capital, we offer same day hard money loan approval and funding within 3-5 days. In emergency situations, we can even fund in just 1 day!
  2. Finance Challenging Properties: If your property requires rehab, is missing a Certificate of Occupancy (CO), or lacks a strong rental history, traditional banks may not finance it. But don’t worry, West Forest Capital specializes in funding properties that banks won’t.
  3. Poor Credit? No Problem: We understand that life can throw curveballs that impact your credit score. That’s why at West Forest Capital, we prioritize the value of the property over your FICO score or debt-to-income ratios when considering funding a loan.
  4. Expand Your Options: If you prefer to own a property in an LLC or if you own too many properties for a bank to finance you individually, a hard money loan from West Forest Capital is the perfect solution. Don’t limit yourself when it comes to property ownership.
Palm Beach money Loans
Palm Beach money Loans
West Palm Beach Loans
Palm Beach money Loans

Why Choose a West Palm Beach Private Money Lender?

In 2013, we started our lending journey and are proud to be a local private money lender in the state. We have extensive knowledge of the rent regulations in Elizabeth, Rahway, and West Palm Beach. If necessary, we can guide you through the permit application process in Planview, Jersey City, and Union City. We are well acquainted with the distinctions between the Oranges and can give you an authentic description of the Jersey Shore. Additionally, we have a beloved pizza spot in Passaic.

Financing your West Palm Beach Investment Property

Discover the thriving real estate market, conveniently located near major cities like New York City and Philadelphia. With a resilient economy and flourishing industries such as pharmaceuticals, financial services, manufacturing, technology, and transportation, the opportunities for investors are abundant. Don’t miss out on adding value to this dynamic market. Trust West Forest Capital, a trusted hard money lender, to guide you towards success.

Asset-backed Lender Focused on Customized Solutions

At West Forest Capital, we specialize in providing hard money financing for fix and flip projects in the market. Our expertise allows us to create unique and tailored loan solutions to meet your needs. We base our funding on the value of the property, meaning we can even finance more than the total purchase price and rehab costs in some cases.

Additionally, we offer the longest hard money loan available on the market – a three-year term. This makes it ideal for investors looking to buy and hold properties.

Contact us today or apply for a loan to take advantage of our services.

Frequently Asked Questions

Private money lenders, unlike traditional banks, are asset-based lenders who focus more on the property itself and less on the borrower. This means that their loan requirements and lending criteria differ significantly from those of banks. The advantage of working with a private money lender is that the loan process is much faster, often taking only a week to fund, compared to several months with a traditional bank.

Real estate investors who purchase foreclosures at auctions often rely on private money lenders due to the quick closing requirements of these auctions. Additionally, private money lenders are willing to fund loans on properties that traditional banks wouldn’t, such as those without a Certificate of Occupancy.

Private money lenders are an ideal choice for individuals with poor credit or those looking to rebuild their credit, as they are more lenient with credit scores. They also offer loans for refinancing existing lenders or as a way to access cash from a property.

It’s important to understand that private money lenders only provide loans for investment real estate, not for residential purposes. Meaning, you cannot live in a property that has a mortgage from a private money lender.

Private money lenders provide real estate investors with quicker access to capital compared to banks and credit unions. This can help increase cash flow for rehabilitation projects. Although private lenders usually have higher interest rates, they have more flexible criteria than traditional lenders and offer faster application processing. This makes them a more accessible option for individuals with lower credit scores.

Get funding for your real estate rehab projects with private money loans. No credit score or income requirements. Here are the qualifications:

  • Down Payment: Use the property as collateral with a down payment ranging from 20% to 40%. For a $400K residential property with a 75% LTV ratio, you’d need a $100K down payment.
  • Appraisal: Ordered by West Forest Capital.
  • Insurance Policy: West Forest Capital as the loss payee and additional insured.
  • Builder’s Risk Insurance: For extensive rehab projects.
  • Lender Title Insurance: West Forest Capital as the beneficiary.
  • Credit Score: Projects can still be funded with a credit score below 600.

Get pre-approved today! Call 212-537-5833 or text 917-267-9523 for a pre-approval letter on the same day you apply.

Private money loans offer flexible financing options for various real estate needs. They can be used for:

  • Acquiring and renovating properties that traditional banks won’t finance, whether it’s due to your credit or the property’s condition.
  • Quickly refinancing an existing mortgage on a property that is nearing its maturity date.
  • Obtaining immediate cash-out refinancing by using an already-owned property as collateral.
  • Financing real estate transactions that require a fast closing, which traditional banks may not be able to accommodate.
  • Acquiring a property under the name of a Limited Liability Company (LLC). Since traditional banks often don’t extend loans to LLCs, a private money loan can be a suitable alternative.
We provide funding for rehab costs through a private money loan. And not just a portion, we can cover 100% of your rehab costs. Here’s how it works: you complete a section of the project, we send an inspector to review it, and then we distribute the funds for the work that’s been completed. The best part? The entire process only takes 1-3 days.

We Value our Broker Relationships

West Forest Capital is the fastest Hard Money Lender in West Palm Beach

West Palm Beach Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a West Palm Beach hard money lender, give us a call

Submit a loan request

A West Palm Beach direct lender you can rely on

Interview with our client, Joscan

Meet Joscan “Jay” Garcia, an accomplished realtor and savvy real estate investor. Join us as we delve into his thriving business and discover the secrets to his success.

West Forest Capital: Welcome, Jay! We’re delighted to have you on board.

Jay: Thank you.

West Forest Capital: Could you share a bit about your background and how you entered the real estate industry?

Jay: Certainly. My parents were real estate investors in Venezuela, which sparked my passion for real estate. When I came here, about four years ago, I explored other industries before finding my love for real estate. I realized that with dedication and the right partnerships, it’s an industry where you can easily grow.

West Forest Capital: That’s great to hear. Do you also work as a realtor?

Jay: Yes, I do. I hold a real estate license, so depending on the situation, I can either assist clients in listing their properties and getting top dollar or make a cash offer to purchase the property myself. I also help people facing foreclosure or dealing with issues with their bank.

West Forest Capital: That makes sense. Now, regarding your own real estate investments, could you explain your focus and strategy? Are you into fix and flip or buy and hold?

Jay: I’ve actually done all of those you mentioned. My first deal with you guys was a fix and hold. I renovated the property, and now it’s one of my rentals. I’ve also flipped homes in Morris County. I try to be versatile and cover different aspects of the business.

West Forest Capital: Which areas do you primarily operate in? You mentioned Morris County, but are there any others?

Jay: Yes, Morris County is my main area, but I also work in Middlesex, Essex, and Union. Most of my business is in Central Jersey.

West Forest Capital: Understood. Could we delve into one of your projects and discuss the details? We recently assisted you with 933 Chancellor in Irvington. Let’s talk about that one.

Jay: I’m truly grateful for your assistance. Before working with you, I was dealing with another hard money lender who couldn’t close the deal. The expiration date of the short sale was approaching, and he wouldn’t provide a clear answer. What I appreciate about West Forest Capital is your straightforwardness from the beginning. You set my expectations and delivered within just six or seven days, which was crucial for me to close on the property. Working with you has been smooth and hassle-free. I never had any issues with rehab funding or anything of that sort. Your flexibility and understanding of the business made me feel confident in our partnership.

West Forest Capital: Thank you for your kind words. We’re thrilled to hear your positive feedback. Now, could you share some information about the property itself and your strategy?

Jay: When I purchased the property, it had been vacant for about seven years and was a foreclosure home. Surprisingly, it was a two-family home with a bonus basement area. I had to completely remodel the basement, as well as the first and second floors. I installed new flooring, kitchens, and replaced the old heating and cooling system with a centralized AC and heat system. Essentially, I renovated the entire property. It took around six or seven months, longer than the initial plan due to some delays with my contractor and issues with the gas company.

West Forest Capital: As you look ahead, what types of projects and investment strategies do you want to focus on?

Jay: I prefer to stick with what I know best, which is dealing with foreclosures and focusing on a buy and hold strategy. My main focus is on buying and holding properties. For example, the deal I completed with West Forest Capital’s assistance involved buying a property, fixing it up, and refinancing it to pull out all of my invested capital. I seek deals like that.

Image provided for illustration purposes

West Forest Capital: Impressive! It’s clear that you have a deep understanding of the process and how to maximize your equity. Lastly, how many properties do you currently own?

Jay: Currently, I own four properties. One of them was initially a deal I bought intending to fix and flip, but I decided to wholesale it instead. After some calculations, I realized I would make nearly the same profit if I fixed it up and flipped it, so I’m about to sell that property.

West Forest Capital: Understood.

Now, let’s shift gears to the brokerage side of your business. Can you tell us about the types of deals you assist your clients with? Are they mostly investors or individuals looking for their primary residence?

Jay: I have a mix. I work with investors, as well as people who are facing foreclosure.

One of my greatest success stories is a couple I helped two years ago. I sold their home as a short sale, and recently, on the two-year anniversary of the short sale, we closed a deal on their dream home in South Side, West Palm Beach, worth $830,000.

When I met them, their finances were in terrible shape. They were on the verge of losing their home, but two years later, they were able to purchase their dream home in the South Side!

So, typically, I help people with foreclosure situations, and I also assist clients in listing their homes for sale. Primarily, I focus on listings, but I also work with a few retail home buyers.

West Forest Capital: That’s incredibly impressive, especially with that couple. It seems like you not only helped them in the real estate aspect, but also with their overall financial situation, right?

Jay: Exactly. They had tried working with different attorneys and realtors before coming to me, but nothing seemed to work out.

Once I started working with them, we managed to get the bank to pay off $20,000 in IRS liens and back taxes they owed, and on top of that, the bank paid them $10,000 for the short sale.

We were truly able to make a difference in their lives. I connected them with a credit repair professional, and they followed my advice. Two years later, we closed on their dream home!

West Forest Capital: That’s fantastic!

Jay: I also wanted to mention how great it has been to refer business to you guys.

I work with many investors, and I recently helped one of them. I had a deal that was about to expire, so I contacted you over the weekend.

You were able to put the deal together and fund it by Monday. That was absolutely mind-blowing! Not only did you close the deal in just three days, but you also paid me a referral fee. I’m truly grateful for that.

What I appreciate about you guys is that you deliver. It’s not like other lenders who promise lower rates or down payments but fail to deliver when it’s time to close. You guys are upfront, straight to the point, and you actually deliver, which is awesome.

West Forest Capital: Thank you! We love hearing positive feedback!

How can people get in touch with you?

Jay: They can email me at or call me at 732-668-0770. They can also find me on Google by searching my name, Jocsan Garcia.

West Forest Capital: Thank you for taking the time to chat with us today. We look forward to collaborating with you in the future.

Jay: Thank you. It’s been my pleasure.

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