Southwest Florida

Hard Money Loans in Sarasota, Florida

Construction & bridge financing for Sarasota investors — build-to-rent in master-planned communities and close-in value-add deals.

92.5%Max LTC
5-dayFunding
0.75DSCR min.
SarasotaCounty + all FL

The Sarasota investor market

Sarasota pairs luxury appreciation with one of Florida's most active new-construction corridors. LendingFLA structures construction and bridge loans for build-to-rent and spec projects in master-planned communities like Lakewood Ranch, then refinances into DSCR holds — with insurance modeled into every deal.

Areas we serve in & around Sarasota

Lakewood RanchPalmer RanchGulf GateHarbor AcresCherokee ParkHudson Bayou

How Sarasota investors use LendingFLA

Lakewood Ranch and Palmer Ranch drive much of the area's new construction, while established close-in neighborhoods like Harbor Acres and Cherokee Park support value-add flips on 2010-and-newer stock. DSCR holds here are framed as appreciation plays, with insurance the make-or-break line.

Loan Programs

Investor loan programs in Sarasota

One application, access to a network of top private lenders — competitive, asset-based terms across every investment strategy.

Fix & Flip

Buy, renovate and resell with leverage that protects your cash.

Up to 92.5% LTC · 100% rehab · 5-day funding

Bridge Loans

Move fast on time-sensitive deals and bridge to your exit.

5-day close · interest-only · no prepay

DSCR / Rental

Qualify on the property's rent — not your tax returns.

DSCR from 0.75 · up to 80% LTV · 30-yr

New Construction

Ground-up financing with rapid, inspection-based draws.

Up to 90% LTC · 100% of construction

Multifamily

Acquisition & bridge capital for 5+ unit projects.

Up to 80% LTV · bridge & perm

Commercial & Foreign National

Asset-based loans, including foreign-national programs.

No US credit OK · fast close
Questions

Sarasota hard money FAQ

Yes — construction loans fund up to 90% of cost with 100% of the build in draws over 12–24 months, then refinance into a DSCR rental to hold the finished home.
Coastal insurance is the make-or-break underwriting line in Sarasota. We model it into every deal so your numbers reflect the true carrying cost.

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