Private Real Estate Investment Lending in Florida
Fast approvals, no credit pulls ever, no income verification.
- 3 min / no credit impact
- Fast Funding for Unique Florida Real Estate Deals
- Flexible Financing Beyond Traditional Mortgage Limits
- Leverage Multiple Properties with Customized Loan Terms
Flexible Financing for Unique Borrowing Needs in Florida
If you need to access your property’s equity, these loans offer fast approvals, no credit checks—EVER—no income verification, and the ability to finance non-traditional properties.
Fast and Flexible Approvals
Skip the lengthy approval process of traditional loans. Our streamlined approach ensures quick decisions tailored to your unique situation.
Customized Loan Terms
Get financing that fits your needs. We offer personalized terms designed to meet your specific goals and property requirements.
Non-Traditional Property Financing
From investment properties to unique real estate, we specialize in financing solutions for assets that don’t fit the conventional mold—or for borrowers who don’t meet traditional banking requirements, such as credit, debt-to-income ratio, or income verification.
Private Money Loans:
Flexible Financing for Borrowers that are denied by Traditional Banks
Quick Approval Process
Private money lenders can often approve loans within days, not weeks, allowing you to seize time-sensitive real estate opportunities quickly.
Flexible Underwriting Criteria
These loans focus more on the property’s value and your exit strategy rather than strict credit score or income requirements.
Non-Traditional Property Financing
From distressed properties to land development, private money can fund projects that traditional lenders often avoid.
Short-Term Financing Options
Ideal for fix-and-flip projects or bridge loans, private money typically offers terms ranging from 12 to 36 months.
Contact us if any of these criteria apply to your situation
While private money and portfolio loans offer more flexibility than traditional mortgages, lenders still have certain criteria they consider when evaluating loan applications. These requirements can vary between lenders, but understanding the general expectations can help you prepare a stronger application.
Need Fast Cash
Need cash fast? At Luminary, we understand that investors don’t have time for excessive paperwork, income verification, or explaining every detail of their credit report. That’s why we prioritize efficiency and focus on what matters most, your asset and funding your loan in as little as 10–14 days.
Lates in Mortgage
Traditional lenders often issue automatic denials for late mortgage payments. At Luminary, we do not review your credit, nor do we consider late payments, allowing us to focus solely on the asset.
Low or No Credit Score
We do not pull credit
Foreclosure
Foreclosure bailouts are welcome!
Ground Up Construction
No experience needed. We will stack closing cost and interest payments into the loan to help you focus on the main goal…..BUILD! No third party inspections for draws. Draws released within 24 hours of scope of work completion.
Vacant Land Financing
Most traditional lenders will not finance vacant land. We do—offering funding not only for acquisition, but also for cash-out bridge loans.
How to Secure Your Private Money Loan
Obtaining a private money or portfolio loan is a straightforward process designed to get you the funding you need quickly and efficiently. Here’s what you can expect when working with Luminary Private Lending.
Initial Consultation
We’ll discuss your financial goals, property details, and loan requirements to determine the best financing solution for your needs.
Loan Approval
Once approved, we’ll present you with a detailed loan offer outlining the terms, interest rate, and repayment schedule.
Property Evaluation
Our team will assess the property’s value and potential, which is crucial for determining loan terms and approval.
Clear Title
Our in-house Title Company will confirm that the subject property has clear legal ownership and no liens, claims, or defects that would prevent our lender from securing its lien and funding the loan.
Closing and Funding
After accepting the offer, we’ll guide you through the closing process and quickly disburse your funds, typically within 24 hours of signing closing documents.
Ready to start your journey towards flexible financing? Our expert loan officers are here to guide you through every step of the process, ensuring you get the private money or portfolio loan that best fits your needs.
Why Choose Luminary Private Lending for Your Private Money and Portfolio Loans
At Luminary Private Lending, we provide customized private money and portfolio loan solutions designed around your financing goals. Our experienced team delivers responsive service and competitive rates for borrowers across Florida.
Local Florida Expertise
As Florida natives, we understand the local real estate market and can provide insights to help you make informed decisions.
Diverse Loan Programs
We offer a wide range of private money options, to help you achieve the goals that seem unattainable in the eyes of traditional banks.
Flexible Underwriting
We only consider the asset, no credit checks, no income verification, no experience, allowing for more flexibility in loan approvals.
Efficient Closing Process
Our streamlined approach enables us to close loans quickly, sometimes in as little as 10-14 days for urgent deals.
Personalized Service
We pride ourselves on our customer-centric approach, providing transparent communication and guidance throughout the loan process.
Experience the Luminary Private Lending difference in your real estate investment journey. Let our expertise guide you to the right loan and ground-up construction financing across Florida.
Contact Luminary Private Lending for Your Loan Needs
Whether you’re financing an investment property or planning a ground-up construction project, Luminary Private Lending is here to help.
Phone
(321) 662 4443
Our location
4700 Millenia Blvd. Suite 175 Orlando, FL 32839