Hard Money & Private Money Lenders for Real Estate Investors
AFI Private Lenders is a family-owned direct lender providing fast, asset-based financing for investment real estate. We fund fix & flips, bridge loans, new construction, DSCR rentals, commercial properties, cash-out refinances and other business-purpose transactions.
Private real estate financing with clear investor use cases
AFI offers a broad set of investor loan programs. Each option below links to deeper program information so borrowers can quickly understand what AFI funds and which structure may fit their project.
Fix & Flip Loans
- Up to $5,000,000 published program size
- Purchase + renovation financing
- ARV-focused structure
Hard Money & Bridge
- Asset-based short-term financing
- Time-sensitive purchases & refinances
- Business-purpose investment property
New Construction
- Up to $3,000,000 published program size
- Ground-up and qualifying development
- Draw-based construction funding
DSCR Loans
- Up to $3,000,000 published program size
- Qualification based on rental cash flow
- Designed for investment properties
Commercial Loans
- Up to $7,000,000 published program size
- Office, retail, mixed-use & more
- Purchase and refinance scenarios
Cash-Out Refinance
- Leverage equity in investment property
- Capital for acquisitions or business needs
- Deal-specific private loan structures
Second Position / Mezzanine
- Available in qualifying scenarios
- Can go behind banks under AFI guidelines
- Useful for equity and capital-stack needs
Apartment & Multi-Unit Loans
- Acquisition and refinance financing
- Value-add and transitional properties
- Investor-focused underwriting
Direct decisions, flexible structures and a team that understands investment property
AFI emphasizes the property, leverage, project plan and exit strategy. That makes the process better suited to transactions where traditional bank underwriting can be too slow or too rigid.
AFI's public materials describe the company as a direct lender, giving borrowers a more direct line to underwriting and decisions.
AFI publishes closing timelines as fast as 7 days on qualifying transactions when diligence is complete.
Qualifying fix-and-flip and bridge structures can use future value / ARV rather than only today's purchase price.
AFI states that the strength of the deal can matter more than prior flipping or building experience.
Recently funded Florida real estate projects
AFI has funded investment real estate across Florida. Highlighting specific transactions helps borrowers understand the kinds of projects and markets the lending team works with.
Winter Park, FL
$600,000 Bridge Loan
Investment real estate financing.
Fort Myers Beach, FL
New Construction Financing
Capital for a ground-up development project.
West Palm Beach, FL
Investment Property Financing
Featured in AFI's recently funded portfolio.
Hard Money Lenders in Florida
AFI provides private and hard money financing for real estate investors across Florida. Explore major markets below for local loan programs, property types, nearby service areas and investor-focused financing information.
Real estate AFI can evaluate for financing
AFI's published lending materials reference a broad range of investment real estate, from single-family projects and multifamily assets to commercial properties and qualifying land deals.
From deal submission to closing
Provide the address, requested amount, purchase/payoff information, project scope and exit strategy.
The team evaluates value, leverage, title, business plan and the appropriate loan program.
Qualifying transactions can move to a term sheet and required diligence.
Once valuation, title, loan documents and other conditions are satisfied, the loan can fund.
Answers investors look for before they contact a lender
Get quick answers about AFI's hard money and private money lending programs, timelines, leverage and Florida service areas.
Is AFI Private Lenders a direct hard money lender?
Yes. AFI's public materials describe AFI Private Lenders as a direct hard money and private money lender focused on business-purpose real estate transactions.
How quickly can AFI close a hard money loan?
AFI publishes closing capability in as little as 7 days on qualifying transactions. Actual timing depends on title, valuation, documentation and the specifics of the property and borrower.
What is AFI's maximum loan-to-value?
AFI publishes leverage up to 70% of future value / ARV on qualifying transactions. Individual program limits and required borrower equity vary by deal.
What types of Florida loans does AFI offer?
AFI offers hard money, bridge, fix-and-flip, new construction, DSCR, commercial, multifamily, cash-out refinance and qualifying second-position / mezzanine financing for investment real estate.
Does AFI lend throughout Florida?
Yes. AFI publishes lending coverage across Florida, including major markets such as Orlando, Tampa, Miami, Fort Lauderdale, West Palm Beach, Jacksonville, Fort Myers, Boca Raton and Jupiter.
Does AFI finance owner-occupied consumer homes?
AFI's public website describes its core lending as business-purpose and non-owner-occupied. Contact the team to confirm eligibility for a specific property and transaction.
Have a Florida real estate deal that needs capital?
Send AFI the property, requested loan amount and project plan. The lending team can review the transaction and discuss the appropriate private money structure.