Who We Are and
What We Do
Professional Residential and Hard Money Lenders
SFR Capital - Easy. Fast. Certain.
Direct Lenders with a Difference
SFR Capital provides hard money residential real estate direct loans. With a specialty in the South Florida market, our team of loan experts have the experience and tools to provide a fast, easy, and certain loan process.
Our borrowers rave about our simple loan process and rapid loan determinations. Our loans require far less paperwork and due diligence than traditional loans, and the application process can be completed in as little as five minutes, complete online.
Why SFR Capital?
Apply online with minimal paperwork and no credit check. Our hard money loan options are some of the easiest to understand funding on the market.
- No Credit or Financials
- No Tax Returns
- No Bank Statements
- No Appraisal
With an honest 5-minute application process and with 99% of loan decisions made within 48 hours, you can be confident you won't be left wondering.
- Online Application
- Online Loan Dashboard
- 48 Hour Approvals
- Close in Days
Our easy to understand loans and requirements makes the process simple and straightforward. Additionally, you work directly with our decision makers.
- SFR Professional Team
- Dedicated Loan Manager
- Clear Costs and Timing
- Approved Loan Funded
A Message from the Owner
SFR Capital’s mission is to originate and service direct private investment first mortgage loans to Borrowers collaterized by Florida residential property and make the SFR Borrower experience and results easy, fast and certain by building and operating the best online digital platform and back office execution infrastructure.
SFR Capital - Our History
Direct Lenders with a Difference
SFR Capital and its principals have been successfully originating and servicing hard money residential investment mortgage loans in Florida for over 20 years. SFR makes fix and flip, bridge, buy & hold and multifamily loans in amounts ranging from $100,000 to $3,500,000.The loan to value for our loans typically is 60 – 75% of current value and is for a one year term. SFR charges borrowers 12% interest only and a 2% origination fee. SFR’s primary loan documents are note, recorded first mortgage, personal guarantee of entity principals, business use affidavit, mortgagee title insurance, settlement statement and insurance certificate.
SFR Capital is a Florida private lender of real estate mortgage debt for Florida
residential investment opportunities. We take the difficult approval process out of Florida residential real estate debt. SFR takes pride in delivering great service to our customers and working hard to insure your project and you are successful. Our application, closing and funding process is fast, easy and trouble free. With millions on hand, you can be sure your deal will be funded.
When you need an easy process, fast approval and quick funding; you can depend on SFR Capital. Please go to the SFR Capital website and provide us with some basic information about your project and our expert team will give you an answer within 24 hours.
Using SFR Capital lets you skip the red tape, credit report, personal document requests, outside reports and junk fees. Our goal is to get you the resources you need - on time, every time. We are committed to your success.
Meet The SFR Capital Team
Professional and Experienced - 20+ Years of Success and Market Knowledge.
Catherine Huston Lorie
Catherine (Cathy) Huston Lorié is a Certified Public Accountant with over thirty years of experience including seventeen years with Pricewaterhouse Coopers. She has experience in auditing, accounting and tax servicing small and emerging companies as well as family offices. She is a Miami native and a graduate of Auburn University.
Rafael T. Lorié has been in the real estate industry since 1974 as a broker, investor, developer, and lender. For the past 12 years, he has been focused on his real estate investment and finance business. All these activities have now been consolidated in SFR Capital.
A Miami native & Harvard graduate that majored in Economics and Biology. He attended the University of Miami Law School and Business School. Ed started his business career as a strategic planner at a Fortune 100 company. He was President of Arvida Disney Real Estate Capital when Arvida was owned by Disney. He has over 30 years of real estate investment and lending experience.