Gainesville Hard Money Lenders
We provide direct private loans to help investors achieve project success.
Loan includes a rehab budget which is 100% funded.
Close fast with no pre-payment fee.
Allows non-owner occupied investors to leverage their funds.
Participate in a transaction without bringing funds to the table.
Gainesville Hard Money Lenders
As leading hard money lenders in Gainesville, FlipCo Financial understands the unique opportunities in our growing real estate market. From renovating historic homes near the University of Florida to developing new properties in thriving areas like Butler Plaza and Haile Plantation, we provide fast, flexible funding solutions for Gainesville real estate investors. Our local expertise allows us to quickly evaluate properties across Alachua County, offering competitive rates and closing deals in as little as 7 days. Whether you’re flipping houses in established neighborhoods like Duck Pond or developing rental properties near Santa Fe College, our hard money loans can help you seize opportunities before they slip away. With the Gainesville market continuing to expand, driven by steady population growth and strong employment from UF Health and other major employers, investors need a reliable lending partner who understands both the local market and their unique financing needs. FlipCo Financial offers loans up to 75% ARV with straightforward terms and no hidden fees, making us the trusted choice for Gainesville real estate investors looking to grow their portfolios.
Strong University-Driven Rental Market
Gainesville's real estate market benefits tremendously from hosting two major educational institutions - the University of Florida, with its massive student population of over 60,000, and Santa Fe College, serving approximately 15,000 students. This educational ecosystem creates a perpetual demand for quality housing, offering investors reliable rental income opportunities throughout the year. Unlike seasonal markets, Gainesville maintains steady occupancy rates thanks to the continuous presence of medical residents, graduate students, and university staff. Properties near campus consistently deliver competitive rental yields, making them particularly attractive to real estate investors looking for dependable returns.
Growing Healthcare & Tech Hub
The city's economic landscape is rapidly evolving beyond just education. UF Health/Shands Hospital system's ongoing expansion has transformed Gainesville into a major healthcare destination, creating constant demand for housing from medical professionals and support staff. The emergence of Innovation Square and a burgeoning tech sector has attracted a new wave of young professionals to the area. With major employers like the VA Medical Center and North Florida Regional Medical Center providing a stable employment base, plus an increasing number of biotech and research companies establishing operations here, the demand for quality housing continues to grow across all segments of the market.
Strategic Location & Quality of Life
Gainesville's strategic position between major Florida markets like Jacksonville, Orlando, and Tampa offers investors unique advantages without the premium prices found in larger metropolitan areas. The city provides an attractive balance of urban amenities and natural attractions, including pristine springs, extensive trail systems, and abundant parks. Unlike coastal Florida cities, Gainesville's inland location provides protection from severe weather risks while maintaining easy access to beaches. The combination of strong public schools, family-friendly communities, and a lower cost of living compared to other Florida cities continues to attract long-term residents, creating sustained demand for both rental properties and home purchases. This mix of affordability, quality of life, and steady growth makes Gainesville an increasingly attractive market for real estate investors seeking stable returns in the Sunshine State.
Gainesville Hard Money Lenders
Quick closing
Minimal doc collection
All investor loans (non-owner occupied)
No appraisals, credit or background checks
Send Us A Message!
- Loan includes a rehab budget which is 100% funded.
- Leverage funds for multiple projects at once.
- Asset based approval.
- Quick and virtual rehab reimbursement.
- Close fast with a shortened guaranteed interest.
- No guaranteed interest.
- Stay ultra-competitive while making offers.
- Ideal for quick turnarounds and refinance exit stratgies.
- Allows non-owner occupied investors to leverage their funds.
- Ideal for auction purchases.
- Close with cash and let us put it back in your pocket.
- Get out of high interest rate private and hard money loans.
- Participate in a transaction without bringing funds to the table.
- Have a true closing to report.
- Seamless transaction.
- Bring your wholesaling game up a notch!
What Clients Say About Us!
FAQ's
At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.
The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else. Check out why we are the best Houston hard money lenders.
The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used. Our Houston hard money lenders will make sure you are notified about your payments well in advance and continually through your investing journey.
Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.
- Single Family Residential, up to 4 doors (No Owner-Occupied)
- First lien position
- Previously flooded properties require additional diligence from our underwriting team
- Additional square footage will require a survey prior to funding
At FlipCo, we offer a range of services to meet your real estate financing needs. Whether you’re looking to renovate and sell a property, secure a loan for a rental investment, or in need of a hard money loan, we have got you covered. Our Houston hard money lenders are experienced in providing financing options specifically designed for fix and flip projects, transactional funding rental investments, and refinance a rehab projects. For more information reach out to us here on our website.
When you contact our Houston hard money lenders, they will make sure to give you a check list of all the documents you need to qualify for your loan. Don’t worry, our experts have you covered.
Some Standard Documents of Purchase and Refinance Transactions will include and are not limited to:
– Driver’s License or Passport (ITIN number if you are a Foreign National)
– Purchase Agreement and any addendum(s)
– Proof of Earnest Money Deposit with check or wire receipt
– 2 Months Bank Statements to show the necessary cash to close and liquidity
– Entity Docs – Articles of organization, Operating agreement or Bylaws, EIN #, Corporate Resolution
– Title Commitment, Survey, HOA/Condo Questionnaire (if applicable), E&O, Wire Instructions, CPL, Draft Deed, HUD
– Evidence of Insurance – RCE/Insurable Value Required for Dwelling Coverage and 6 Months Loss of Rent Coverage
We typically approve our clients within 48 hours of receiving all required documents.
We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline. This makes a top choice for Houston hard money lenders.
- Last 3 months of bank statements
- Financial statement
- Completed borrower application
We offer a 3 and 6 month term.
FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.
To qualify for a hard money loan, there are a few criteria you must meet. Firstly, if you are refinancing your property, you will need to have equity in it. This means that the value of the property should be higher than the outstanding balance of your existing mortgage.
If you are using the hard money loan for a property purchase, you will typically be required to make a down payment of at least 15% to 20% of the purchase price. Additionally, it is common practice for the property to be purchased under an entity, such as a business or commercial entity, to ensure that it is intended for business or commercial purposes.
These criteria, including having equity in your property for refinancing or making a sufficient down payment for a purchase, as well as utilizing an entity in the transaction, are important factors in qualifying for a hard money loan. FlipCo Financial are the premier Houston hard money lenders and will work with you to get the funding you need.
There are several compelling reasons why borrowers in Houston may opt for a hard money loan from a private lender instead of a conventional loan from a Houston bank:
1. Faster Funding: Unlike conventional banks that typically take 30-45 days or longer to approve and finance a residential loan, a Houston hard money loan from lenders like FlipCo Financial can be funded within a shorter time frame of 5-10 days. This is especially beneficial for borrowers who need immediate capital to secure a property or take advantage of time-sensitive opportunities.
2. Property Condition: Conventional banks often have strict underwriting guidelines that may prevent them from lending on properties in need of repair or upgrades. However, private lenders are more flexible in this regard and are willing to provide financing for properties that may lack cash flow or require renovations. This makes hard money loans a viable option for investors looking to purchase distressed properties or undertake renovation projects.
3. Asset-Based Lending: Unlike traditional banks that heavily rely on a borrower’s credit score, reported income, and debt-to-income ratio, hard money lenders focus primarily on the value of the asset being used as collateral for the loan. This means that borrowers with a less-than-perfect credit history or high debt levels can still be eligible for a hard money loan, as long as the property’s value justifies the loan amount. This asset-based approach opens up borrowing opportunities for individuals such as professionals with high incomes but significant debt obligations who may be turned down by traditional banks.
Overall, choosing a hard money loan in Houston from a private lender offers distinct advantages in terms of speed, property condition flexibility, and a focus on the asset rather than the borrower’s financial standing. These factors make hard money loans a preferred option for those seeking alternative financing options in the Houston market.
Stay Connected:
