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Hard Money Loans in Palm Beach County

Direct private capital for residential investment property from Boca Raton to Jupiter.

Cities we lend in

Lending in Palm Beach County

Insurance is the line that breaks Palm Beach pro formas. At an average of $6,323 with wind, it is the second most expensive county in the state, and a quote taken in January is not a quote you can rely on in June. Get a real binder before you commit to a hold period.

Documentary stamps and non-recurring intangible tax together run about 0.55% of the loan — roughly $2,750 on $500,000 and $5,500 on a million — payable at recording.

The Palm Beach market

Cash paid for 49.5% of every closed sale in Palm Beach County in June 2026 — 58.7% of condos and 43.5% of single-family homes. Nearly half the market completes without a lender.MIAMI REALTORS / RWorld, June 2026 · source

The median single-family sale price was $700,000, up 11.8% on the year from $626,000.MIAMI REALTORS / RWorld, June 2026 · source

2,048 single-family units were authorized by permit from January to July 2026, against 1,497 in the same period of 2025.US Census Building Permits Survey, January–July 2026 · source

The average homeowners premium including wind is $6,323 — the second highest of Florida's 67 counties, behind Monroe alone.Florida OIR Property Insurance Stability Report, data to 31 March 2026 · source

Florida market reading

What we lend on

First-lien loans from $100,000 to $3,500,000 on residential investment property in Palm Beach 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
Max loan-to-valueUp to 75%
Term12 months (up to 24)
StructureInterest-only
PaymentsMonthly
CollateralResidential, non-owner-occupied
LienFirst lien only

Terms are indicative; the current sheet is always the rates page.

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Nearby: Southeast 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.