Private Money Loans in Florida | Valor Lending Group
Are you interested in learning about our Private Money Loans in Florida?
Are you an investor seeking quick funding for a new investment property?
If so, a Private Money Loan is the ideal solution for you!
Private money loans, known as bridge, flip, and cross loans, are popular among real estate investors. Unlike traditional loans, you won’t find them through conventional lenders. Most traditional lenders do not offer private money loans. Instead, you’ll work with private individuals or companies. Opting for a private money loan is often quicker and simpler for many borrowers. While the process is faster, be aware that interest rates and fees are generally higher, making it more costly.
Valor Lending Group has the right connections to secure a private money loan for you today. We are fully licensed in Arizona, California, and Florida for all occupancy and loan types!
Top 3 Valor Private Money Loan Options | Often Without an Appraisal
Valor Bridge Owner Occupied:
Do you need to pull cash out of your primary residence for a business purpose?
- Property used as the borrower’s primary residence
- Terms up to 11 months
- Max LTV of 75% on 1st TD | Max CLTV 65% on 2nd TD
- No prepayment penalty
- Available for owner-occupied properties in Arizona, California, and Florida only
Valor Investment Property | Non-Owner Occupied:
Do you need financing for an investment property?
- Property used as the borrower’s investment property
- Terms from 1 to 5 years
- Max LTV of 80%
- No prepayment penalty
Valor Cross-Collateral Loan:
Do you have a portfolio with properties that have available equity?
- Leverage for 100% financing when crossing other real estate owned at 65% CLTV for 100% financing
- Terms from 1 to 2 years
- Max CLTV of 65%
- No prepayment penalty
- No appraisal, subject to lender discretion on a case-by-case basis
Advantages and Disadvantages of Private Money Loans
Pros of Private Money Loans:
- Speed: Streamlined process, faster than traditional loans
- Flexibility: Temporary financing solutions
- Ideal for Projects: Viable option for financing rehab and value-add projects
- Credit Flexibility: Less focus on credit history
- Minimal Documentation: Simplified asset verification
- Interest-Only Payments: Available
Cons of Private Money Loans:
- Larger Down Payment: May be required
- Higher Costs: Generally more expensive than traditional loans
- Balloon Payment: Requires a solid exit strategy (not a con for savvy investors!)
The Bottom Line:
Private money loans are a powerful tool for real estate investors. They are quick and flexible, offering same-as-cash purchasing power. They are also the most viable option for financing renovations or other value-added projects. If you want to discuss your private money options, please call me directly at 858-349-7538 or email me.
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Hard 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 | Hard 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 | Hard 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 | Hard Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard 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 | Hard 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:
- Hard 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 Million / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms subject to change without notice
