SECOND POSITION CAPITAL
Access your equity without touching your first mortgage.
Already have an excellent first mortgage rate but need access to capital? Our second mortgage solutions let you tap into your property's equity without disturbing your existing low interest first mortgage.
FINANCING OVERVIEW
Asset-based capital, built around your strategy.
Underwriting focuses on the property, the equity, and a clear exit — not the rigid checklists of conventional bank financing. Decisions in 24 hours, term sheets that match the real timeline of investor work.
- Access existing equity behind a low rate first mortgage
- Keep your current first mortgage intact
- Capital for investment and business opportunities
- Flexible funding solutions structured around the asset
SCENARIOS WE FUND
Real situations from real Florida investors.
Keep a sub-market first mortgage rate
Tap equity behind a low fixed rate first without refinancing into today's higher long term rates.
Fund the next investment without selling
Use second position capital from a stabilized asset to finance the down payment on the next deal.
Business and growth capital
Deploy property equity into business opportunities, expansion, or operational capital needs.
USE CASES
Where this capital wins.
- Down payments on additional investment property
- Rehab or value add capital on another asset
- Business and growth capital
- Consolidating higher cost short term debt
BORROWER FIT
Built for these borrowers.
- Owners with strong equity behind a low rate first
- Florida investors expanding their portfolio
- Business owners deploying property equity
- LLC and entity owned property holders
FAQ
Questions on this program.
Will I have to refinance my first mortgage?
No. Our second mortgage structures sit behind your existing first so you keep your current rate and terms.
How much equity can I access?
We lend up to 50% Combined Loan to Value (CLTV) of the property's current market value.
What can the funds be used for?
Investment property down payments, rehab capital, business growth, and other investor or operational uses.
RELATED FINANCING SOLUTIONS
Other programs investors pair with this.
Transitional Capital
Bridge Loans
Short term capital to bridge the gap between buying and selling. Pull equity quickly, fund your next deal, or even stop a foreclosure. Real decisions from real lenders keep your project moving.
Apply NowGround-Up & Vertical Build
Construction Financing
Ground up construction financing with draw schedules built around your build, not ours. We can roll closing costs and interest payments into the loan. No credit checks, and prior construction experience is not required.
Apply NowLand Capital
Vacant Land Financing
Need financing to buy vacant land or pull equity from land you already own? We offer flexible vacant land financing for investors and property owners throughout Florida.
Apply NowFLORIDA COVERAGE
Second Mortgages across all 67 counties.
Statewide private lending from the Panhandle to the Keys.
Florida lending hubREADY WHEN YOU ARE
Close your next deal in days, not weeks.
Talk to a Florida based lending specialist and get a real quote on your investment property today.