Fix-and-flip financing
Purchase plus renovation budget in one facility, drawn as work completes. Underwritten on the after-repair value and your scope — the flip market's native fuel.
Private Money · South Florida
When the deal can't wait, the money can't either.
Some deals live or die on speed: the auction win that funds in days, the flip that beats three cash offers by closing first, the bridge that holds a property between transactions. Private money is asset-based lending built for exactly this — underwritten on the deal and the collateral, funded in as little as 7–14 days, minimal income documentation. Costs more, moves faster, and in the right hands it's the difference between doing deals and watching them.
- NMLS #1615071
- Licensed in Florida
- English / Español
Plain English
What is private money financing?
Private money (often called hard money) is short-term, asset-based real estate financing underwritten primarily on the property and the deal — purchase price, value, renovation budget, exit strategy — rather than the borrower's personal income. That focus is what makes it fast: with minimal income documentation, closings run 7–14 days instead of 30–45. Rates and fees run higher than bank financing, which is why every private money loan I structure starts with the exit: sell, or refinance into DSCR or conventional. Speed without an exit plan is how investors get stuck — speed with one is how they scale.
Auction & foreclosure purchases
Courthouse and online auction wins demand fast, certain funds. Pre-arranged private money turns your bid into a cash-equivalent offer.
Bridge between transactions
Buying before selling, catching a time-sensitive deal, or holding a property through a repositioning — short-term capital that keeps the chess game moving.
Speed as negotiation leverage
A 10-day close often beats a higher offer with 45-day financing. Sellers pay for certainty — sometimes your financing speed is worth more than price.
Minimal income documentation
Underwriting centers on collateral, leverage, and exit. Credit matters some; tax returns barely. Ideal for full-time investors with optimized returns.
The exit is the plan
Every deal I fund starts with the exit: sale timeline or refinance into DSCR/conventional. I structure both ends — often the takeout loan too — so the expensive money stays short.
Clients Who Closed
Real clients, real closings
Verified Google reviews.
Y
Yelamy C.
Como Realtor, trabajar con Reinier ha marcado la diferencia en mi negocio. No solo aprueba préstamos — estructura los casos bien, responde rápido y siempre busca soluciones. Gracias a él cierro más deals y gano más listings. Comunicación clara, seguimiento inmediato y resultados reales. Lo recomiendo sin dudar.
M
MeeMee J.
As a real estate broker, I truly value working with lenders who are responsive, knowledgeable, and solution-driven — and Reinier exceeded every expectation. Whenever an obstacle came up, he handled it calmly, professionally, and always had a solution ready. He went above and beyond to get us to the closing table.
★★★★★ Rated 5.0 on Google
Read what other clients say.
Honest answers
Private money questions, answered
How fast can private money actually close?
7–14 days is routine with a cooperative title company; faster is possible on clean files. The constraint is usually title work and insurance, not the money.
What do private money loans cost?
Higher rates than bank loans plus origination points — the price of speed and flexibility. Priced per deal on leverage, collateral, and exit. For a profitable flip or a deal you'd otherwise lose, the math usually works; when it doesn't, I say so.
Do I need good credit or income documents?
Credit is reviewed but not decisive; income documentation is minimal. The property, your equity in the deal, and your exit strategy carry the underwriting.
Is private money only for investors?
Primarily yes — business-purpose loans on non-owner-occupied property. Owner-occupied situations route to different programs (see my foreclosure bridge page for that world).
What happens when the loan matures?
You exit: sell the property or refinance into longer-term financing (DSCR or conventional). I plan the takeout at origination — nobody should improvise an exit at month eleven.
Get Started
Have a deal on the clock? Call now.
Call, text, WhatsApp, or start the secure application — whichever feels easiest. Free consultation, no obligation, no hard credit pull to start.
- Phone(305) 492-2404
- Email[email protected]
- Office4960 SW 72nd Ave Suite 400
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET