← Where we lend

Hard Money Loans in Polk County

We are a direct lender based in Coral Gables, lending on residential investment property across Polk County — Lakeland, Winter Haven and Bartow.

Cities we lend in

Lending in Polk County

We lend on residential investment property anywhere in Florida from our office in Coral Gables, and a Polk 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 Polk 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 Polk 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 Polk market

Polk has 238,338 single-family homes on the property rolls; 56,165 of them — 24% — 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

16,288 single-family homes in Polk 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

2,463 single-family homes in Polk 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

4,621 multifamily properties are on the rolls in Polk — 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 Polk 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.

Start your application   Talk to us first

Nearby: Tampa Bay 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.