A Direct Private Lender Built for Real Estate Investors
AFI Private Lenders is a family-owned private lending company focused on business-purpose, non-owner-occupied real estate financing. We work with investors, builders, landlords, brokers and real estate professionals who need flexible capital for acquisitions, renovations, construction, bridge situations, rental properties and commercial investments.
Private lending for people who make real estate happen
AFI works with real estate investors who often need something different from a conventional bank: a lender that can understand a renovation budget, a bridge strategy, an after-repair value, a construction timeline, rental-property cash flow or the equity already built into a property.
Our lending philosophy
A real estate loan should be evaluated in the context of the entire transaction. AFI looks at the collateral, requested leverage, borrower, experience, project plan and exit strategy together.
A lending relationship built around clarity, speed and the deal
AFI's public materials emphasize a family-owned, relationship-driven approach to private lending. These principles shape how we work with investors and broker partners.
Talk with people who can understand the property, financing request and investment plan.
Private lending can address transactions that do not fit a one-size-fits-all bank underwriting box.
AFI specializes in business-purpose, non-owner-occupied real estate rather than consumer mortgages.
AFI aims to be a repeat financing resource for investors and brokers as their real estate activity grows.
Private real estate financing across multiple investment strategies
AFI's loan programs span short-term acquisition and renovation financing, construction, rental-property loans, commercial real estate and other investor scenarios.
Fix & Flip Loans
Short-term financing for investors acquiring and renovating properties for resale or refinance.
Explore Fix & Flip →Bridge Loans
Flexible financing for acquisitions, transitional properties, repositioning and time-sensitive closings.
Explore Bridge Loans →New Construction
Private construction financing for qualifying builders, developers and investment projects.
Explore Construction →DSCR Loans
Rental-property financing where property cash flow can play a central role in underwriting.
Explore DSCR Loans →Commercial & Multifamily
Private financing for qualifying multifamily, mixed-use, retail, office and other investment properties.
Explore Commercial Loans →Cash-Out & Second Position
Equity-based financing for qualifying investment properties, subject to program and lien requirements.
View All Loan Programs →Serving real estate investors across AFI's core markets
AFI publishes hard money and private money lending coverage across Florida, California and Texas, with market-specific information for major investor communities.
Orlando, Tampa, Miami, Jacksonville, West Palm Beach, Fort Myers and other Florida investment markets.
CaliforniaPrivate real estate financing across major California investor markets including Los Angeles and surrounding regions.
Texas & additional coverageReview AFI's current lending footprint and contact the team to confirm eligibility for a specific property.
Private lending can fit deals that require speed and flexibility
Hard money is commonly used when the property, condition, project scope or timeline does not fit a traditional bank process. It can be especially useful for renovation, construction, bridge and transitional real estate strategies.
What AFI focuses on
- The property and collateral value
- Requested leverage and existing liens
- Renovation or construction scope
- Borrower experience and financial profile
- Rental income or property cash flow where relevant
- A realistic exit strategy
What private lending is not
Private lending is not automatically the lowest-cost financing option and it is not intended to replace conventional financing in every situation. Investors should compare loan cost, transaction speed, leverage and business-plan needs before choosing a financing structure.
Talk directly with the lending team
Have an investment property you want AFI to review? Send the property address, requested loan amount, loan purpose and basic investment plan.
600 Sandtree Dr 210B
Palm Beach Gardens, FL 33407
5850 Canoga Ave #400
Woodland Hills, CA 91367
Questions about AFI Private Lenders
A quick overview of who AFI works with and how its private lending is structured.
What is AFI Private Lenders?
AFI Private Lenders is a family-owned direct private lender focused on business-purpose, non-owner-occupied real estate financing for investors, builders, landlords and other real estate professionals.
What kinds of real estate loans does AFI offer?
AFI publishes programs for fix & flip, bridge, new construction, DSCR, commercial, multifamily, residential investment, cash-out refinance and qualifying second-position transactions.
Where does AFI lend?
AFI publishes lending coverage in Florida, California and Texas. Availability depends on the property, loan program and transaction, so borrowers should confirm current eligibility with the lending team.
Does AFI lend on owner-occupied homes?
AFI's public materials describe its lending as business-purpose and non-owner-occupied. Contact the lending team to confirm whether a specific transaction is eligible.
Does AFI work with brokers?
Yes. AFI has a broker program for mortgage brokers, real estate professionals and referral partners submitting qualifying business-purpose real estate loans.
How do I contact AFI about a loan?
Email nate@actionfunding.net or call 561-600-0433 for the Florida lending desk. Include the property address, requested loan amount and loan purpose so the team can understand the scenario.
Have a real estate deal AFI should review?
Send the property, requested financing and investment plan to the lending team.