Cash-Out Refinance Loans Florida

Fast Funding for Cash-Out Refinance in Florida!

Whether you’re looking to fund your next fix-and-flip in Miami or stabilize a rental portfolio in Tampa, your property’s equity is your most powerful tool. At HML, we specialize in Florida Cash-Out Refinance Loans designed for real estate investors who need to move at the speed of the market. While traditional banks get tangled in red tape and credit hurdles, we focus on the value of your asset, providing the liquidity you need in as little as 5 to 10 days. From the Panhandle to the Keys, we turn your hard-earned equity into immediate capital for your next big move.

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Why Choose Us for Cash-Out Refinance Loans in Florida?

Fast Funding

Close in as little as 48 hours

High LTV

Up to 80% purchase price

No Income Verification

Asset-based lending

Interested in Detailed Discussion?

Connect with Florida’s Real Estate Funding Expert

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The Process of Getting a Cash-Out Refinance Loan in Florida

Step-1: Discovery

Connect with our Florida Funding Expert & discuss your proposal. If everything looks good, we will move to the next step.

Step-2: Diligence

Our team of experts will evaluate the deal & share their insights & take on the proposed deal.

Step-3: Deal!

After agreeing upon the values & timelines, the contract will be signed & the funds will get processed.

Cities We Service in Florida

Loans We Offer in Florida

Why Investors Choose Us to be their Private Money Lenders in Florida?

Our loans start at 9.99%

Upto 80% LTV

We close deals in 4-7 days!

Need Proof of Funds Letter for Your Florida Deal? Get it Now!

Hard Money Lender Florida is a direct lender & not a broker! Our NMLS is: #1390213

Florida Market Insights

As we move through the first half of 2026, the Florida real estate market has transitioned into a strategy-based environment. After the rapid fluctuations of previous years, the Sunshine State is seeing a healthy rebalancing that favors investors with liquidity.

Stabilising Valuations: Median home prices across Florida have leveled out, currently sitting near $413,000. While the “frenzy” has subsided, select hubs like Sarasota, St. Petersburg, and Tampa continue to show resilient demand and modest appreciation.
The “Equity Divide”: With traditional mortgage rates hovering in the low 6% range, a clear gap has emerged. While first-time buyers face affordability hurdles, equity-rich investors are leveraging their portfolios to acquire distressed assets or fund new construction.
Rising Inventory & Leverage: Inventory levels have increased to a more balanced 4.8 to 7-month supply depending on the metro. This shift gives you, the investor, significant negotiating power and more time for due diligence—if you have the capital ready to deploy.
Insurance & Climate Shifts: Savvy investors are moving toward inland “hidden gems” like Ocala and Lakeland, where lower insurance premiums and high rental demand are driving stronger cap rates compared to volatile coastal zones.

Meet Florida's Real Estate Expert :
Yuval Elkeslasi

Yuval Elkeslasi, the driving force behind Hard Money Lenders IO, has established a significant presence in the finance industry. Hailing from Queens, NY, his innovative lending strategies have reshaped the landscape. Armed with a bachelor’s degree in Finance from Florida State University, Yuval’s career has soared to unprecedented heights.
Under his guidance, Hard Money Lenders IO has introduced a diverse range of loan programs, each tailored to specific needs. These include fix and flip, new construction, cash-out refinance, rental property loans, and even yacht loans. His instrumental role in securing an $8 million construction loan for a spec home builder in Port Royal, Naples, and managing the financing for a 72’ 2024 Viking Convertible, valued at $7.2 million, is a testament to his expertise.
His dedication to providing personalized service, competitive rates, and flexible financing options is unparalleled. His deep understanding of the lending market allows him to work closely with clients, valuing their unique needs and identifying the best solutions. Whether it’s residential projects or luxury yacht financing, Yuval is committed to helping clients achieve their financial goals with expertise and professionalism.

Yuval Elkeslasi

Answers You Might Be Looking For

What is a Cash-Out Refinance?

A hard money cash-out refinance allows real estate investors to replace their current mortgage (or an all-cash purchase) with a new loan based on the property’s current appraised value. Unlike a bank, we provide the difference in liquid cash in a matter of days, focusing on your property’s equity rather than your personal debt-to-income ratio.

How much equity can I pull out of my Florida property?

In the 2026 Florida market, we typically offer a Loan-to-Value (LTV) ratio of up to 65%–75% for cash-out refinances. For example, if your investment property appraises at $500,000, you may be eligible for a total loan amount of $350,000 to $375,000, minus any existing liens.

Do I need a high credit score to qualify?

No. While traditional Florida lenders often require a 680+ FICO, our underwriting is asset-based. We prioritize the property’s value, location, and your exit strategy. This makes our loans ideal for investors with unconventional income or those who need to bypass the “paperwork graveyard” of big banks.

How fast can I get the funds?

Speed is our primary advantage. Once we have a clear title and a reliable valuation, we can typically move from application to funding in 5 to 10 business days. This allows you to capitalize on time-sensitive Florida opportunities, such as foreclosure auctions or distressed off-market deals.

What are the eligible property types?

We lend on a wide variety of non-owner-occupied assets across Florida, including:

Single-family residential (1–4 units)
Multi-family complexes
Commercial office and retail spaces
Mixed-use properties
SFR-zoned land (on a case-by-case basis)

What is the typical "Exit Strategy" for these loans?

Since hard money is a short-term solution (usually 12–24 months), most of our Florida borrowers use the cash to renovate a property and then either sell for a profit or refinance into a long-term DSCR loan once the asset is stabilized and cash-flowing.