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Hard Money Loans in Bradford County
We are a direct lender based in Coral Gables, lending on residential investment property across Bradford County — Starke and Lawtey.
Cities we lend in
Lending in Bradford County
We lend on residential investment property anywhere in Florida from our office in Coral Gables, and a Bradford deal closes the same way as one in Miami: first lien, $100,000 to $3,500,000, up to 75% of value, underwritten on the property rather than the borrower's tax returns. Purchase, refinance, fix and flip, buy and hold, and small multifamily.
Florida's documentary stamp tax runs 70 cents per $100 on the deed and 35 cents per $100 on the mortgage, plus a two-mill intangible tax on the note — the same in Bradford as in every county outside Miami-Dade. We put those on the closing statement up front so the cash to close is known at term sheet, not at the table.
Inland Bradford sits outside Florida's coastal wind-borne-debris zones, so the insurance line is usually lighter than on the coast — but we confirm coverage and any flood-zone designation before closing all the same. What we underwrite is the property's value to the next buyer, and that is the number the loan is sized to.
The Bradford market
Bradford has 7,072 single-family homes on the property rolls; 1,425 of them — 20% — are owned by someone who does not live there. That is the investor-owned pool we lend into.RealEstateAPI property records, queried 2026-09-11 · source
399 single-family homes in Bradford changed hands in the twelve months to 2026-09-11 — the deal flow an investor is competing in.RealEstateAPI property records, queried 2026-09-11 · source
42 single-family homes in Bradford are in pre-foreclosure — off-market acquisitions for a buyer who can close in days rather than weeks.RealEstateAPI property records, queried 2026-09-11 · source
26 multifamily properties are on the rolls in Bradford — the rental stock our multi-family and buy-and-hold programs are written for.RealEstateAPI property records, queried 2026-09-11 · source
Florida market reading
What we lend on
First-lien loans from $100,000 to $3,500,000 on residential investment
property in Bradford County — single family, condo,
townhouse and multi-family. Up to 75% of value, twelve months,
interest-only.
We are a direct, balance-sheet lender. We underwrite, fund and service our
own loans, so the decision is ours and it turns on the property and the
sponsor’s public record — not on a credit report, tax returns or
an outside appraisal.
Indicative terms — every program| Loan amount | $100K – $3.5M |
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| Max loan-to-value | Up to 75% |
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| Term | 12 months (up to 24) |
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| Structure | Interest-only |
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| Payments | Monthly |
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| Collateral | Residential, non-owner-occupied |
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| Lien | First lien only |
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Terms are indicative; the current sheet is always the rates page.
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Nearby: Northeast Florida
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.