Orlando hard money loans are short-term private capital on investment property in Orange County and the rest of Central Florida — flips, bridges, and light construction. The shop may sit on Colonial or fund from Tampa, Miami, or out of state. What matters is who wires, what they closed here last quarter, and whether the term sheet matches the closing statement.
What Orlando hard money loans actually fund
Typical files are interest-only, six to eighteen months, with points up front and rehab money in draws. Homestead consumer mortgages are a different product. Wind, flood, HOA, and insurance gaps kill more Orlando files than a 20-point credit miss. Ask how the lender treats those items before you send a package.
Direct hard money lenders fund. Private money brokers introduce. If you are buying, rehabbing, and exiting, also read hard money loans to flip houses. Mix the roles and the deposit goes to the wrong party.
Compare before you send a package
A statewide Florida shop is not automatically worse than a Winter Park office. Ask for recent Orlando-area fundings: days from term sheet to wire; purchase versus rehab LTV; points and prepay; draw inspectors; extension cost when the permit stalls. Then match that against written reviews — speed, terms clarity, communication — not one testimonial.
Use the research checklist before you wire. Florida ranked lists are coming and will not be sold. Paid placement, if any, stays labeled. We do not suppress honest negative reviews.
Know the lender before you sign. We are not a lender, broker, or credit reporter, and we do not have an Orlando branch. This page is research for a metro, not an offer to lend. See hard money loans Florida for the statewide guide, hard money loans Texas for another state, hard money loans Los Angeles for another metro, and all ranking categories .