Welcome

Investment Property Loans and

Financing

The needs of real estate investors are very different than the needs of a typical home buyer. It's important to work with a mortgage lender who understands real estate investing and financing investment properties. At 1st Florida Lending, our licensed commercial mortgage specialists will help you decide what kind of investment property best suits your goals and how to finance it.

Some Guidelines at a Glance

With just a minimum mid-fico of 650, you can get up to 90% LTV on owner occupied deals with absolutely no personal income verified. Just think of us a between the institutional bank and hard money financing.   We offer a more cost effective financing solution versus traditional hard money.  • Quick closings - possible 15 to 30 Day • 3 or 5 year ARMs available with rates starting around 7.49%. • 30 year fully amortized loans • Minimum credit score 650   • Owner Occupied Deals at 50% to 90% LTV • Most N.O.O.'s at 50% to 65% LTV • Foreign Investors from 40% to 50% LTV • 4.625% (and up) Floating Rates • 4.975% (and up) Fixed Rates • Limited Commercial Construction Loans Available • Investment SFRs, 2-4 units, Condos and PUDs up to $1 million • Mixed-use, 5+ UNITS, warehouse, office, retail, self- storage and auto repair up to $5 million • W-2 or self-employed • Rebate pricing available • Seller seconds and gift funds allowed on purchases    

Commercial Real Estate Loans

We offer all types of commercial real estate lending, including: • Offices and Office Condos • Light Industrial, Assembly Warehouse • Multi-Unit Retail Strip/Shopping Centers • S.F.R. Converted to Commercial Use • Heavy Industrial/Manufacturing Facility • Self-Storage Units    • Metal Buildings • Auto Services            • Funeral Homes • Bowling Alley            • Churches • Day Care Centers • Schools                      • Laundry Mat • Drycleaners              • Bowling Alley • Car Dealers               • Spas/Salons • Restaurants             • Animal Clinics • Retail/Office with Residential Above. • Sister Bank Properties: • Flagged Hotels and Motels • Branded Gas Stations / C-Stores • R.V. Parks • Apartment / Multi-Family Complexes • Assisted Living Facilities / Complex