Orlando Hard Money Lender

Hard money loans in Orlando

Fix and flip, new construction and bridge loans for Central Florida investors from a direct lender based in Tampa. Up to 85% of your project cost, 100% of the rehab funded through draws, and a term sheet in 24 hours with no credit pull.

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Term sheet in 24 hours. No obligation.

No credit pull required. Your information is secure.

$100K-$2M

Loan size

Up to 85%

Loan-to-cost

100%

Rehab funded

Up to 70%

Of ARV

From 10%

Rate

12 mo

Term

Why Requity

A Florida lender for Orlando investors

Florida lender, Florida underwriting

We are headquartered in Tampa, 90 minutes down I-4, and Requity Group owns and operates real estate in Florida. Your deal is reviewed by people who know Central Florida's neighborhoods, builders and insurance market.

A direct lender, not a broker

We underwrite your deal and make the credit decision ourselves. No loan shopping, no surprise lender change before closing.

Flip or hold

Central Florida has deep rental demand. Flip the house with a fix and flip loan, or refinance into a long-term DSCR loan and keep it, without changing lenders.

What We Fund

Hard money loans we make in Central Florida

Short-term, asset-based loans for investors buying with an LLC or corporation. We do not make consumer or owner-occupied loans.

Fix and flip loans

Up to 85% of your total project cost and 100% of the rehab through draws, 12-month terms, no exit fee.

New construction loans

Land and vertical construction in one loan, from spec homes to small multifamily, with draws released as milestones are finished.

DSCR rental loans

30 and 40-year rental loans qualified on the property's rent, not your income, for investors who want to hold or refinance out of a flip.

Transactional funding

A-B purchase capital for wholesalers doing double closings, so you can close and resell on the same day.

Two Programs

Orlando fix and flip loan terms

The same two programs we offer nationally. Experienced flippers get our best pricing; newer investors get the same 100% rehab funding with no minimum credit score.

Premier Balance Sheet

Who it is for 3+ flips in the last 24 months and 650+ credit First-time and newer flippers, no minimum credit score

Rate 10% fixed, interest-only From 12% fixed, interest-only

Origination 2 points ($4,000 minimum) 2 points ($4,000 minimum)

Purchase price Up to 90% Up to 85%

Total project cost Up to 85% Up to 85%

After-repair value Up to 70% Up to 70%

Rehab budget 100%, through draws 100%, through draws

Term 12 months, no exit fee 12 months, no exit fee

Your loan is the lowest of the purchase, cost and ARV limits. Loans carry a 4-month minimum of interest. All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Local Knowledge

Flipping in Orlando: what to plan for

Central Florida flips have their own rules and risks. These are the ones we see change a deal's numbers most often.

City, county or neighboring city?

Orlando, Winter Park, Kissimmee, Sanford and Apopka each run their own building departments, and unincorporated areas such as Pine Hills are permitted by Orange County. Confirm who issues the permit before you price the job, because review times differ.

Historic districts

The City of Orlando has historic preservation districts, including Lake Eola Heights. Exterior changes need a Certificate of Appropriateness: minor work like repairs with matching materials can be cleared in days, while alterations and additions go to the Historic Preservation Board, which the city says takes about seven weeks.

Sinkholes and ground settling

Central Florida sits on limestone. Florida homeowners policies must cover catastrophic ground cover collapse, but broader sinkhole coverage is optional and can be hard to get on a house with a past claim. Ask the seller about prior sinkhole claims and repairs before you commit.

Flooding inland

Hurricane Ian in 2022 flooded neighborhoods across Orange and Seminole counties, far from the coast. Check the FEMA flood zone and the property's flood history, and remember the 50% substantial improvement rule applies inland too.

How It Works

From offer to sale in four steps

Send the deal

Share the address, purchase price, scope of work and your ARV estimate. You get a term sheet within 24 hours, with no credit pull.

Valuation and title

We order the valuation and work with your Florida title company or closing attorney. Bring your LLC documents and a line-item rehab budget.

Close in as fast as 72 hours

Most residential bridge deals close within 72 hours to 14 business days from a signed term sheet, depending on title and the valuation.

Renovate, draw, sell

Request draws as phases are finished. When the house sells, the loan is paid off at closing. No exit fee.

Have a deal? Get terms in 24 hours.

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FAQ

Orlando hard money loan FAQ

Don't see your question? Call 813.338.1000 or email contact@requitygroup.com.

Ask about your deal →

Are you a hard money lender in Orlando?

Yes. Requity Lending is a direct private lender based in Tampa that lends throughout Central Florida. We make short-term, asset-based loans to investors for fix and flip, new construction, transactional and bridge deals, and we make long-term DSCR rental loans when you are ready to hold.

Which areas around Orlando do you lend in?

All of Central Florida, including Orlando, Winter Park, Kissimmee, Sanford, Apopka, Ocoee, Winter Garden, Clermont, Deltona and Lakeland, and the rest of Florida.

What does a hard money loan cost in Orlando?

Fix and flip rates are 10% fixed and interest-only on our Premier program and from 12% on Balance Sheet, with 2 origination points ($4,000 minimum) and no exit fee. Florida adds documentary stamp tax on the note ($0.35 per $100 of the loan) and intangible tax (0.2% of the loan) at closing.

Can I flip a house and then rent it instead?

Yes. If the sale market slows or the rent numbers look better, you can refinance a finished house into one of our DSCR loans, which qualify on the property's rent instead of your personal income.

Can I get a loan as a first-time flipper in Orlando?

Yes. Our Balance Sheet program is open to first-time flippers and has no minimum credit score. Investors with 3 or more flips in the last 24 months and a 650+ credit score qualify for Premier pricing.

How fast can you close in Orlando?

As fast as 72 hours from a signed term sheet. Most residential deals close within 72 hours to 14 business days, depending on title work and the valuation.