Private lending, Florida investment property, and how deals
actually close.
You borrow through an LLC and still sign personally. What a full recourse guaranty commits you to.
06 October 2026
Citizens Property Insurance reported 254,918 policies in force as of September 25, 2026, down from 266,231 at the end of August. What the shrinking state insurer means for insuring a Florida rental or rehab, and what to check before you close.
05 October 2026
Florida Realtors' August 2026 single-family numbers: closed sales down 1.4%, median price $415,000, active inventory down 13.0%, months supply down to 4.3, and foreclosure/REO sales up 29.8% at a median 22.5% below last year.
05 October 2026
Freddie Mac's survey put the 30-year fixed at 7.28% for the week ending October 1, 2026, up 25 basis points in a week and 94 above a year ago. What that does to exit assumptions, carry and DSCR on a Florida investment property.
05 October 2026
Business-purpose lending requires an entity borrower. What that means, why it exists, and how to set it up in Florida.
29 September 2026
What a first lien is, why a private lender will not go behind another loan, and what that means for your capital stack.
22 September 2026
Loan-to-value against as-is value or after-repair value changes your down payment. How Florida lenders calculate both.
15 September 2026
Where the days really go in a Florida investment property closing, and which part of the timeline a lender controls.
08 September 2026
The property-tax amendment on Florida's November 3, 2026 ballot would cut the assessment cap on rentals and second homes from 10% to 5%. What it does, who is fighting it, and what an investor should watch.
04 September 2026
The $7,500 permit exemption is narrower than the headlines, but the five-day review window, private-provider rules, and cost-based fees matter more for anyone rehabbing houses at volume in Florida.
04 September 2026
Florida Realtors' July 2026 numbers for single-family homes: closed sales up 5.1%, median price $425,000, active inventory down 13.4%, and foreclosure and REO sales up 51% from a year ago.
04 September 2026
This month's spotlight deal, line by line. $448,000 at 12% interest-only for one year, 2% lender fee, 70% loan-to-value, no prepayment penalty, and none of the paperwork a bank would have asked for.
04 September 2026
Realtor.com's August 2026 report shows pending sales down year over year for the first time since November 2025, with 30-year rates near 6.7%. The South held up. What a Florida investor should take from it.
04 September 2026
Origination, interest, and the fees that should not be there. What a Florida fix-and-flip loan actually costs over a 12-month hold.
01 September 2026
Exactly what a Florida private lender needs to size a loan — and the long list of things it does not ask for.
25 August 2026
What Florida fix-and-flip investors get right and wrong, from a lender who underwrites these deals daily — finding the property, budgeting the rehab, and financing it without a credit check.
28 May 2023
Why Florida real estate investors use a private lender instead of a bank — speed, certainty of close, and underwriting that looks at the property rather than your tax returns.
28 May 2023
Where AI genuinely helps a real estate investor — market research, listing analysis, drafting — and the places it will confidently mislead you.
02 March 2023
Buy, Rehab, Rent, Refinance, Repeat — how the BRRRR strategy actually works in Florida, where it breaks down, and how the refinance step is financed.
02 March 2023
A hard money loan is secured by the property, not your credit. What that means in practice for Florida investors: terms, costs, timelines and when it is the right tool.
02 March 2023
SFR Capital LLC (SFR) is a private lender, license exempt under Fla. Stat. § 494.00115. SFR only makes business purpose mortgage loans on non-owner occupied Florida investment property. Nothing here is an offer or commitment to lend. All loans are subject to SFR approval of the sponsor, property collateral, title and documentation.