DSCR & No DSCR Loans Available
Trusted Local Hard Money Lenders You Can Rely On
Get the Capital and Hard Money Loans for Investment Properties you Need Today!
Term Sheet Issued In 24 hours
No Junk Fees
Construction Financing & Investment Property Loans
When it comes to reliable financing, local hard money lenders like AssetPoint Capital are your trusted partners in Florida. Whether you need quick capital for fix & flip projects, new construction, or investment property, our hard money loans offer fast, flexible funding designed to fit your unique needs.
We are proud to be recognized among the best hard money lenders in Florida — providing competitive rates, easy qualification, and clear communication throughout the process. Our team of Florida hard money lenders understand the market and the challenges investors face, and we are committed to helping you succeed.
We understand the meaning of “certainty of execution” and can move quickly to fund your subsequent acquisition or refinance.
Maximum Loan Amounts Offered
Loan-to-Cost up to 90%
No Income Verification
Easy Draw Process
Bad Credit / BK No Problem
Interest-Only Payments Available
Flexible Credit Policy
Low & NO DSCR Rental Loans
See What Our Current Borrowers Have to Say About Us:
Bank Turn you Down?
Get Approved Online Today
Are you a property developer who needs quick access to capital at competitive interest rates?
The application process is 100% online and takes less than 5 minutes.
Fix and Flip
Interest rate 10 - 12.75%
Rental
New Construction
Our Loan Services
At Asset Point Capital, we offer a variety of loan services tailored for real estate investors and builders:
DSCR Loans – Let Your Property’s Income Work for You
- 30-year fixed rates
- Up to 80% LTV
- No tax returns or income verification needed
- Portfolio friendly terms
- Scale with confidence
- Income through rent, not W-2s
- Fast and simple application process
- Quick closing and clear communication
- Dedicated business development manager
- Minimum 1.1 DSCR
- 660+ credit score
- 20% down payment
- Rental Strategy & verification required
- Please show us your property
- Get clear answers
- Close with confidence
If you’re searching for hard money lenders for primary residence or investment properties, our DSCR loans provide a straightforward solution.
Fix & Flip Loans – Turn Properties Into Profits
Ideal for flippers who need:
- Fast funding for purchase and renovation
- Approval without tax returns or bank statements
- Flexible financing options, including 0% down
Loan Highlights:
- Fund up to 100% of costs
- Rates starting at 9.99%
- Up to 70% LTV
- Terms up to 18 months
- No early payoff fees
- Pay at the project end.
Why Choose Us for Fix & Flip:
- Fast-track approval & 7-day closings
- A dedicated manager to guide you
- No monthly payments
- Fees financed into the loan
- No income or tax return requirements
Getting Started:
- 640+ credit score
- 0% down available
- Exit plan required
- Renovation roadmap necessary
3 Steps to Funding:
- Apply in minutes
- Get a same-day estimate.
- Close in a week
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Our hard money construction loans in Florida are ideal for fix & flip projects where speed and flexibility are critical.
New Construction Loans – Build From The Ground Up
Loan Benefits:
- Up to $2.5M in funding
- Interest is charged only on draws.
- Fees rolled into the loan.
- 2nd lien assistance available
- Deferred payment options
- 5-year experience lookback
Start Building With:
- Approved plans & specs
- Proven builder track record
- 15% down payment
- Exit strategy and timeline
.
Designed for builders looking to:
- Finance new projects confidently
- Navigate the process from lot to completion.
- Work with a lender that understands construction timelines.
.
Steps to Building:
- Share your plans
- Get quick approval
- Build with confidence
Builder Advantages:
- Market-smart decisions with expert guidance
- Seamless process from lot to final inspection
- Quick property evaluations and flexible terms
For your construction needs, our construction loan hard money products offer clear, manageable terms.
Bad Past Credit? Bankruptcies?
Alternative Property Types?
Short Term Rental and Vacant properties!
About Asset Capital
With an efficient approach to financing, investors will find working with Asset Point Capital a direct and stress-free process. We have quickly become one of the fastest-growing providers of commercial real estate loans to investors and operators.
Have you been delayed by your local bank and need to hurry to secure a new acquisition? Are you stuck in a situation with your current lender with a maturing loan and need to move your loan? We have the best commercial real estate loans tailored specifically for you. We offer commercial real estate loans fast that banks can’t or won’t approve.
Contact us to apply for approval for your next real estate purchase or refinance.
Term Sheet Issued In 24 hours
You want to keep that deal from passing you by but need the finances to invest. You tried the bank but were turned away? No Problem! We will issue you an official term sheet tailored to your specific needs and get it to you in 24 hours or less with our quick approval process. Under the right conditions, we can do larger loan amounts up to $5,000,000+.
No Junk Fees
Construction Financing & Investment Property Loans
Areas We Serve
Asset Point Capital proudly serves the following Florida cities:
Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Hialeah
Port St. Lucie
Cape Coral
Tallahassee
Wherever you are in Florida, we are your trusted hard money lenders in Florida, ready to assist your projects.
Additional Financing Options
In addition to our hard money loans, you may also be interested in our related services for real estate investors and builders:
Investment Property Florida
We offer customized financing solutions for rental portfolios. Whether you’re acquiring single units or scaling to multiple properties, our Investment Property Florida options are built for long-term growth.
Bridge Loans Florida
Need short-term funding to bridge the gap between deals? Our Bridge Loans Florida are perfect for fast closings, renovations, or quick capital access when timing is everything.
Real Estate Mortgage Investment Conduits
Gain access to diversified commercial financing through our Real Estate Mortgage Investment Conduits. These structured investment vehicles are designed for seasoned investors seeking long-term performance.
Commercial Loans Florida
Support your business ventures with flexible Commercial Loans Florida. Whether for acquisition, renovation, or new development, we tailor financing to your project’s needs.
These services complement our core hard money offerings and provide comprehensive support for your real estate ventures.
Why Asset Point Capital is Your Go-To for Hard Money Loans Florida
As one of the top private money lenders in Florida, we focus on speed, transparency, and flexibility. Whether you need hard money loans in Florida for your primary residence, investment property, or construction project, we offer:
- Competitive rates and flexible terms
- Fast approvals and closings
- No tax returns or income verification for many loans
- Dedicated support from start to finish
Get Started Today With Asset Point Capital
Contact Asset Point Capital now to discuss your financing needs. With our experience and Florida market expertise, we’ll help you get funded and move forward with confidence.
Ready to take the next step? Apply Now with one of the most trusted local hard money lenders. Our team is here to guide you through every stage of the process and help you secure the best financing options.
FAQs
What are hard money loans in Florida, and how do they differ from traditional financing?
Hard money loans in Florida are asset-based financing options secured by real estate. Unlike traditional loans, they rely on property value rather than borrower credit, making them ideal for time-sensitive or unconventional real estate transactions.
Who typically uses hard money construction loans in Florida?
Hard money construction loans in Florida are commonly used by real estate investors, builders, and developers who need quick funding for fix & flip projects, new construction, or property renovations. These loans offer speed, flexibility, and fewer documentation requirements.
Can I apply for hard money loans in Florida for a primary residence?
Yes, we offer hard money lenders for primary residences in select situations. These loans are available based on strict criteria and typically for short-term bridge financing or special investment strategies.
Do you provide services outside of major cities in Florida?
Yes. While we serve major areas like Miami, Tampa, Orlando, and Jacksonville, our lending services extend throughout the state. Visit our “Areas We Serve” section for a full list of supported Florida locations.
Term Sheet Issued In 24 hours
No Junk Fees
Construction Financing & Investment Property Loans
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Get the Capital and Hard Money Loans for Investment Properties you Need Today!
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