Hard Money Broker Program for Real Estate Professionals
Partner with AFI Private Lenders to submit business-purpose real estate loans for your clients. AFI works with mortgage brokers, real estate professionals and referral partners on fix & flip, bridge, new construction, DSCR, commercial, multifamily, cash-out refinance and qualifying second-position transactions.
A private lender built to help brokers close investment-property deals
The broker relationship should be simple: quickly identify whether a deal fits, communicate realistic terms, protect the broker relationship and move qualified files toward closing.
Send the property, requested loan amount, leverage, project plan and exit strategy for an initial review.
AFI publicly states that brokers are protected and compensated at closing on qualifying transactions.
AFI's existing broker page states there are no application or membership fees to participate.
Submit investor scenarios across rehab, bridge, construction, rental, commercial and refinance programs.
Hard money and private money loan programs for broker submissions
AFI focuses on business-purpose, non-owner-occupied real estate financing rather than consumer lending. Program availability and terms depend on the property and transaction.
Fix & Flip Loans
Acquisition and renovation financing for investors improving properties for resale or refinance.
Fix & Flip program →Bridge Loans
Short-term financing for acquisitions, repositioning, refinance and other time-sensitive real estate transactions.
Bridge loan program →New Construction
Private construction financing for qualifying builders, developers and investment projects.
Construction program →DSCR Loans
Financing for qualifying rental properties where property cash flow is central to underwriting.
DSCR program →Commercial Loans
Private financing for qualifying retail, office, mixed-use, warehouse and other commercial investment properties.
Commercial program →Cash-Out Refinance
Access property equity, replace existing debt or create liquidity for another real estate investment.
Cash-out refinance →Multifamily Loans
Acquisition, renovation and refinance financing for qualifying multifamily and apartment properties.
Multifamily program →Second Position / Mezzanine
AFI states it can consider second-position financing behind qualifying banks when sufficient equity is available.
Ask about second position →Residential Hard Money
Business-purpose financing for non-owner-occupied residential acquisitions, rehabs, bridges and refinances.
Residential program →AFI broker program information at a glance
The following summarizes information currently published on AFI's broker and lending pages. It is intended to help brokers quickly screen potential submissions—not replace a transaction-specific quote.
| Broker question | AFI published guidance | What it means for a submission |
|---|---|---|
| What loan types can I submit? | Fix & flip, commercial, cash-out refinance, ground-up construction and additional business-purpose programs. | Send investor real estate scenarios rather than consumer owner-occupied loans. |
| How much leverage? | AFI's broker page publishes leverage up to 70% of future value / ARV, subject to the deal and program. | Provide current value, purchase price, rehab budget and expected stabilized/future value where applicable. |
| What lender fees are typical? | AFI's broker page states lender fees are typically 1–3 points depending on the transaction. | Final points and pricing must be confirmed on the actual deal. |
| How are brokers compensated? | AFI currently publishes that brokers typically receive 2 points and advertises earning up to 2% on closed deals. | Compensation is transaction-specific and subject to applicable licensing, disclosure and legal requirements. |
| Can AFI do seconds? | AFI states that it can consider second-position loans behind banks, not behind other private lenders. | Send the senior lien terms, current payoff, property value and requested second-position amount. |
| Does the borrower need experience? | AFI states it considers first-time flippers and builders and places substantial emphasis on the deal itself. | Experience helps, but a strong transaction may still be considered for a first-time investor. |
Published terms can change. All loans and broker compensation are subject to underwriting, program requirements and applicable law.
How to submit a hard money deal to AFI
A complete initial submission makes it easier to determine whether the transaction fits an AFI loan program.
Include property address, loan request, purchase/payoff amount, estimated value or ARV, rehab budget and exit plan.
AFI evaluates collateral, leverage, borrower information, project plan and fit with the available loan programs.
Qualifying scenarios can move to proposed terms and collection of required underwriting and diligence items.
Once loan conditions are satisfied and the transaction closes, broker compensation is handled according to the approved deal structure.
A lending partner you can bring back to the next client
A good broker program is more than a commission schedule. Brokers need fast communication, realistic deal screening, clear documentation requests and confidence that the client relationship will be respected.
AFI's current broker page states that participation does not require an application or membership fee.
AFI promotes a simple submission process instead of requiring brokers to adopt a new software system.
AFI specializes in non-owner-occupied real estate loans for investors, builders and other business-purpose borrowers.
Email nate@actionfunding.net or call the Florida lending desk at 561-600-0433.
Submit investor deals in AFI's core lending markets
Brokers can also use AFI's market pages to understand local lending coverage and send clients to relevant Florida market information.
Questions mortgage brokers and referral partners ask
Clear broker-specific content helps prospective partners understand whether AFI is a fit before they submit a deal.
Who can partner with AFI Private Lenders?
AFI's published partner program is intended for realtors, mortgage brokers and other real estate professionals. Participation and compensation remain subject to any applicable licensing and legal requirements.
What kinds of deals can brokers submit?
AFI accepts business-purpose real estate scenarios including fix & flip, bridge, commercial, ground-up construction, DSCR, cash-out refinance and other qualifying investor loans. AFI does not offer consumer loans through this program.
How much can a broker earn?
AFI currently advertises broker compensation of up to 2% on closed deals and states that its brokers typically receive 2 points. Actual compensation must be confirmed for each transaction and comply with applicable requirements.
Does AFI charge brokers a membership fee?
AFI's current broker page states that there are no application or membership fees for its broker partnership program.
Can I submit a deal for a first-time investor?
Yes, AFI states that many borrowers began as first-time flippers or builders. The property, leverage, project plan, borrower profile and exit strategy are considered together.
How do I submit a broker deal?
Use AFI's online application and select Broker, or email the deal scenario directly to nate@actionfunding.net. Include the property address, requested loan amount, values, existing liens, loan purpose and project details.
Have a deal you want AFI to review?
Send the scenario to the broker desk or submit it through AFI's online loan application.