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fast closing

Cierre Rápido

Aprobación entre 24-48 horas, cierres en promedio entre 7-12 días.

No Prepayment Penalty

Sin Penalidad de Prepago

No hay penalidad por pagar o amortizar el préstamo en ningún momento.

Low rates, Low payments

Bajas Tasas

Términos competitivos con pagos de solo interés hasta la maduración.

Everyone Welcome

Todos son Bienvenidos

Incluidos inversionistas sin historial, nuevos negocios o extranjeros sin experiencia.

What is a Hard Money Loan?

Hard money loans are essentially short-term loans, secured by a tangible asset. Many real estate investors consider them a good alternative to traditional lending for a variety of reasons, with the most important being the ease and speed of the transaction. Due to the competitive nature of the real estate investment industry, the ability to close quickly is a huge advantage for an investor vying for a hot property. Smart investors know that presenting an all-cash offer to a seller can increase the likelihood of securing the deal.

Additionally, hard money lenders are a practical solution for borrowers when conventional banks turn them down. Investors who lack sufficient liquid assets or have questionable or no credit history can borrow against the physical property and not their personal financial assessment. Having the loan backed by the real estate or “hard asset” considerably reduces the risk to the lender. Furthermore, new investors without a successful track record of rehabbing are more likely to get funding with a private real estate loan.​

These loans typically range from 6 to 24 months and normally have a fixed rate, while points and closing costs might vary.

How to get Hard Money Loan in Orlando

Obtaining financing from a hard money lender is a much simpler process than with a traditional bank. While it’s necessary to complete an application, the paperwork requirements are more streamlined. Hard money lenders typically require the basic, two months of bank statements, and a driver’s license. More importance is placed on the value of the asset, projected project timeline, and investor experience over a borrower’s personal assets, credit, and income. It is important to be well-organized, have all documentation verified and in order before approaching a potential lender, as most prefer to work with experienced lenders.

Orlando Hard Money Loan Programs

Fix and flip loans, residential and commercial bridge loans, rental investment loans for multi-family and single-family properties, and new construction for resale are the most common types of investor loans. These can be established as refinance, purchase, or cash-out loans. It is the borrower’s responsibility to have enough knowledge to determine the type of loan that fits, based on which would be the best financial move.

Fix and Flip Loans

fix and flip loans
New and experienced investors are always looking to find the best opportunity in the market and need fast cash to execute the purchase of a property.

Commercial Loans

New and experienced investors are always looking to find the best opportunity in the market and need fast cash to execute the purchase of a property.

Bridge Loans

bridge loans
New and experienced investors are always looking to find the best opportunity in the market and need fast cash to execute the purchase of a property.

How is RBI Mortgages different from other Private Money Lenders in Orlando, FL?

Best known for its numerous theme parks and flourishing tourism industry, Orlando, Florida offers great opportunities for real estate investors. While Orlando is the 4th largest city in Florida, it ranks fifth in top areas to invest in the United States. Last year, Orlando home values increased 7.1% and are expected to remain strong with the latest forecast predicting a 10.1% increase in 2021.
Orlando’s booming economy and increased population growth also makes it one of the top Florida cities to purchase rental properties.

RBI Mortgages knows the Greater Orlando real estate market and offers the best solutions for foreign and/or local borrowers looking for cash and/or a fast closing. When comparing loan rates, RBI Mortgages has some of the most competitive rates in Orlando. New and experienced investors will discover we understand the lending market and are committed to offering the highest level of customer service.

Why Use Fix and Flip Loans ?

Fix-and-flip loans are designed to cover the entire cost of a rehab project. Investors should have a strong grasp on the numbers before shopping for a loan. Compiling the purchase price, renovation costs, and after repair value (ARV) of the asset helps to determine the loan-to-value (LTV), or the amount required for down payment, mortgage rates, and risk to the lender. Generally, lenders base the loan amount on an LTV at or around 65% of the appraised property value. If the “hard asset” or property is valued at around $200k, the loan offered might be in the $130k to $145k range.

Real estate investors should look closely at the cost-to capital, evaluate points, percentages, and closing costs to determine the profit margin and whether a lender’s terms will conform to the rest of the deal. Will there be enough margin to make the deal work? Is the loan consistent with the investment deal? Even the most experienced investors consistently shop around for lenders and loan options, always looking for a great referral.

TIPOS DE PRÉSTAMOS

"Easy to work with professional, fair honest and on point with everything. It was a pleasure doing business with RBI. Andre is the man! I couldn't be happier in my new home with the right mortgage attached for success."
Lily Cohen | Feb, 2018
"RBI get me great services on all my loans, very tentative, great timing and excellent terms. highly RECOMMENDED!!!"
David Hassan | Mar, 2018
"Excellent loan, excellent service 100% recommended"
INVERSIONES COBENBEN | Mar, 2018
"RBI Mortgages is our business partner. We are sure that the partnership between our two organizations will lead our business to a new stage. Thank you for cooperation!"
Михаил Кузнецов | Mar, 2018
"Tenía un cierre a 10 días y con RBI Motgages tuve una aprobación en menos de 24 horas y con mejores condiciones. Los recomiendo personalmente. Gracias Alejandro por toda tu ayuda."
Jose Bruno Padilla | Mar, 2018
"Muy profesionales, muy agradecida por su respuesta tan rápida en solo 24 horas."
Lily Cohen | Feb, 2018
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Contáctenos

Preguntas más frecuentes

¿Cuál es la tasa de interés y el término del préstamo?
Por lo general, las tasas de préstamos son de 9% y 1,75% puntos. Los términos de financiamiento son de 12 a 36 meses.

¿Cuál es el tipo de préstamo?
La mayoría de nuestros préstamos son solo de interés, lo que significa que se paga un interés fijo durante todo el plazo y el saldo total al vencimiento. Por ejemplo, un $100,000 con un plazo de 12 meses y una tasa del 9% generará 12 pagos mensuales de $750 y un pago final de $100,000

¿Qué sucede si vendo la propiedad o prepago el préstamo antes del vencimiento?
En la mayoría de nuestros préstamos no hay penalidad por pago anticipado.