SFR Capital is a direct, balance-sheet lender. We underwrite, fund and service our own first-lien loans — so your closing is easy, fast and certain.
Three things every real estate investor needs from a lender — and the reasons sponsors bring us their next deal. Easy as 1, 2, 3.
Online application and common-sense underwriting. No committee maze, no runaround.
Preliminary answer quickly, diligence run in parallel, and closing measured in days — not weeks.
We lend from our own balance sheet, so there’s no outside investor to satisfy — no last-minute retrade, no funding that falls through.
Short-term, first-lien financing on non-owner-occupied residential collateral across Florida.
Acquisition capital for value-add residential projects.
Short-term financing to acquire, reposition, or buy time for a clean exit or refinance.
Long-term financing sized to the property’s cash flow for buy-and-hold investors.
One loan across multiple doors — simplify financing on a group of residential properties.
Multifamily short term bridge loans.
Warrantable and non-warrantable condos and single-family investment homes.
Indicative and illustrative only — actual terms are set per deal and confirmed after underwriting.
All loans are for business or investment purposes only, secured by non-owner-occupied Florida residential property. Figures shown are illustrative, not an offer or commitment to lend, and are subject to due diligence, underwriting, and property eligibility.
Our underwriting and due diligence run in parallel, so the time to your loan closing is fast.
Tell us about the property, your plan, and the sponsor behind it.
We size the loan and send terms — typically within a day or two.
Valuation, title, and borrower review run at the same time.
Sign and receive funds — usually within days of clear title.
We do one thing: first-lien, business-purpose loans on Florida residential real estate for over 20 years. That focus is why we’re easy, fast, and certain.
I have closed many loans with SFR Capital. The loan process is simple, quick and dependable. They helped me through the whole procedure and made everything so easy. I highly recommend SFR Capital to any business needing a residential real estate hard loan in Florida.
Traditional lenders do not understand how to underwrite my real estate investment loans. SFR Capital does not require hard credit report, bank statements, tax returns, outside appraisal or outside inspections. SFR does not charge 10 annoying junk fees to close the loan like a lot of other hard lenders. In 48 hours from completing the easy 5 minute online application, SFR Capital had given me preliminary loan approval. When the title and lien search were completed, SFR Capital funded the loan at the amount they had approved.
SFR Capital is the best direct lender experience I have had. I have always found them super easy to reach, to get an answer on loan amount and to get the loan closed. SFR Capital has a great team. I have always had a positive experience and appreciate the personal attention from the principals. The people at SFR Capital actually really care about the success of their borrowers, it shows and it makes a difference!
The banks said no, SFR Capital said yes. I had an unusual property. SFR Capital worked with me to fund and close the deal. With SFR Capital’s loan and financial backing, I’ve been able to take my business to the next level. I will definitely continue to use SFR Capital for my residential hard money loans.
Hard money loans are based on the value of the real estate investment property and the equity of the property. The amount loaned is typically 60-75% of the investment property value. An SFR loan has much more flexible requirements and regulations than traditional banks and mortgage lenders.
Traditional bank and property mortgage loans are made by highly regulated lenders that require sponsor/borrower hard credit scores, bank statements, tax returns, appraisals, outside inspections and other complicated and detailed financial information. Hard Money and Private Money Lenders like SFR Capital do not have these requirements.
SFR Capital lends to business entities such as companies (inc), LLCs and Trusts. We do not lend to individuals or sole proprietors. The owners of the business entity borrower will be required to sign personal guarantees.
Good credit is not an SFR Capital loan requirement. SFR Capital underwrites the loan by looking at the value of the property, the equity or cash investment in the property and the history of the sponsor/borrower principals. SFR Capital may pull a soft credit inquiry on the borrower principals that does not cost anything and does not affect the credit scores of the principals.
We look to the value of the property, the equity or cash investment from the borrower/owner and the history of the borrower principals. We typically lend 60% to 75% of the value of the property as determined by SFR Capital. SFR Capital will give you a preliminary loan amount approval email within 48 hours of submission of the 5 minute online application.
We can fund your loan as soon as the title and lien search are completed, the proper insurance is in place and a correct settlement statement has been circulated and approved. These items can take anywhere from 3 days to 2 weeks. Once you are approved by SFR Capital for a loan, we will be happy to speak with a Seller to work with you to obtain a closing extension should we need time to close your property transaction.
Yes. SFR Capital will provide a proof of funds letter for the amount of the loan after loan approval.
Thirteen questions. We will tell you straight away whether it is a deal we can do.
The borrower
Your details
The property
Enter the address myself
By submitting, you agree to be contacted by SFR Capital about this loan inquiry by phone, text, or email.
Business-purpose loans on non-owner-occupied Florida residential property. Indicative/preliminary, subject to final SFR underwriting and approval. Terms are set per deal.
Apply online with the basics and SFR Capital will reach out to talk terms. No cost, no obligation.
Tell us how to reach you and we’ll take it from there.
Your details are on their way to SFR Capital. A principal will reach out shortly to talk terms — no cost, no obligation.