Best Private Money Lenders in Florida (2026)
Compare private money lenders serving Florida real estate investors. Browse nationwide private money lenders available to Florida investors.
Investing in Florida
No state income tax, massive population inflows, strong STR markets. Florida is the top destination for out-of-state investors. Jacksonville, Tampa, and Orlando offer different investment profiles.
Key Markets
Typical Rates
8%–15%
Max LTV
50%–75%
Typical Terms
Negotiable (6 months–5 years)
Min Credit
Negotiable
About Private Money Loans in Florida
Loans from individual private investors, family offices, or small funds — outside the institutional lending system. The most flexible financing available, with terms negotiated directly between borrower and lender.
Florida real estate investors use private money loans for investors with established personal networks and deals that don't fit institutional guidelines. Florida's lack of state income tax makes rental property returns even more attractive when combined with private money financing.
Other Loan Types in Florida
Private Money Lenders in Nearby States
Analyze Your Florida Deal
Use our free calculator to see if your Florida investment works with Private Money financing.