Get the Capital You Need with Florida Private Money Loans | Valor Lending Group
Get the Capital You Need with Florida Private Money Loans Today!
Looking to secure your next investment property quickly and hassle-free?
Private Money Loans offer a fast, reliable solution tailored to meet your funding needs.
Discover the Power of Private Money Loans for Your Next Real Estate Deal!
Private money loans, known as bridge, flip, or cross loans—are the go-to choice for savvy real estate investors seeking speed and flexibility. Unlike traditional loans that require extensive paperwork and lengthy approval processes, private money loans are sourced directly from private individuals or specialized companies, bypassing conventional lenders entirely.
These loans are designed to offer a quicker, simpler route to financing, making them ideal for time-sensitive investment opportunities. While private money loans can come with higher interest rates and fees, their speed and flexibility often outweigh the costs for many borrowers.
At Valor Lending Group, I specialize in connecting you to trusted private money lenders, ensuring you get the funding you need—fast. Licensed in Arizona, California, and Florida, Valor Lending Group offers tailored solutions for all property types and occupancy levels.
Let us simplify your journey to success. Contact me today and make your next investment a reality!
Top 3 Private Money Loan Options by Valor Lending Group
1. Valor Bridge Loan for Owner-Occupied Properties
- Purpose: Ideal for borrowers needing to pull cash from their primary residence for business purposes
- Eligibility: Available only for owner-occupied properties in Arizona, California, and Florida
- Key Features:
- Terms up to 11 months
- Maximum Loan-to-Value (LTV) of 75% on the first trust deed (TD)
- Maximum Combined Loan-to-Value (CLTV) of 65% on the second TD
- No prepayment penalties
2. Valor Investment Property Loan
- Purpose: Tailored for investors financing non-owner-occupied properties
- Key Features:
- Terms range from 1 to 5 years
- Maximum LTV of 80%
- No prepayment penalties
3. Valor Cross-Collateral Loan
- Purpose: Designed for borrowers with a portfolio of properties that have available equity
- Key Features:
- No appraisal is required, subject to lender discretion
- Offers 100% financing when leveraging equity across other real estate owned at 65% CLTV
- Terms from 1 to 2 years
- Maximum CLTV of 65%
- No prepayment penalties
Simplify Your Financing Process
Whether you’re an investor or a homeowner seeking flexible funding, Valor Lending Group delivers tailored private money solutions with fast approvals and no unnecessary delays. Reach out to get started!
Advantages and Disadvantages of Private Money Loans
Advantages of Private Money Loans:
- Fast Approvals: Enjoy a quicker, more streamlined process compared to traditional loans
- Flexibility: Perfect for short-term or unique financing needs, such as bridge or fix-and-flip projects
- Project-Friendly: Ideal for funding rehabs, renovations, or value-added opportunities
- Lenient Credit Requirements: Focuses less on credit history, making it accessible to more borrowers
- Minimal Paperwork: Simplified documentation requirements focused on the asset, not income
- Interest-Only Options: Lower initial payments, improving cash flow during the project phase
Disadvantages of Private Money Loans:
- Higher Costs: Comes with elevated interest rates and fees compared to conventional loans
- Larger Down Payments: Borrowers may need to provide significant equity upfront
- Balloon Payments: Requires a solid exit strategy to repay the loan within the term, making them less suitable for inexperienced investors
The Bottom Line:
Private money loans are an invaluable tool for real estate investors seeking fast, flexible funding. Whether you’re purchasing, renovating, or repositioning a property, they provide cash-like buying power. However, it’s essential to understand the costs and plan your repayment strategy carefully.
If you’re ready to explore your private money loan options, call me directly at 858-349-7538 or email me today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
$1,950,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA
$2,100,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina
And many more.
We do them all, so give me a call!
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
