For Builders Who Don’t Wait for Permission.

You see land. We see legacy.
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The Future Doesn’t Build Itself — But You Do.

At HML, we fund what others fear: raw land, ground-up construction, ambitious blueprints, and bold timelines.

We don’t ask for ten years of tax returns or second-guess your vision.
We ask one thing: Are you ready to build?

Because if you are — we’ll move.

Building your property shouldn’t be a struggle

Going back and forth with an application process for a loan is annoying. It prevents you from taking action in your property plans. With our new construction loan program, we make the whole process easier for you.

We have a wide coverage

At Hard Money Lenders IO we can fund up to 60% of the land value and cover 100% of the construction budget.

Not all hard money lenders offer financing for new constructions due to the high-risk level. That’s why we review every detail of the deal to provide you with the best solution for your needs.

We work along with you to have an action plan so we can

  • Close the deal fast
  • Have clear terms to work with
  • Avoid delays and meet deadlines
  • Reduce as much project expenses as possible

Our process is straightforward

  • You complete the loan application
  • We’ll review it and order an appraisal
  • You provide the documentation and construction plan
  • We issue a document with the loan details and terms
  • The loan is closed by an attorney

 ℹ Note: Due to the many activities and responsibilities this process requires, having experience as a real estate investor is vital for this type of loan.

Transparent and flexible underwriting

We stand for clarity and simplicity in all our transactions. There are no hidden fees/terms in the process.

We know the best areas to invest in a property

Since we’re based in Florida, an advantage you have with us is that we can provide advice on the best local areas where you can build your new property. We work hand in hand with you to make sure you get the most out of your investment decision.

We’re aware that a real estate investment is a big deal and requires effort. For this reason, based on our experience we’ll walk you through the process giving you the best recommendations, so you can achieve your goals.

Overview of our Fix & Flip loan program

Experience Level Any
Credit Score 600
Interest Rate 9% – 12%*
Points 0% – 2%
Eligible For a 0-Point Option? Yes
Advance Rate on Rehab or New Construction 10%
Advance Rate on Current Value 10%
Loan % to After Rehab Value 75%
Property Types Single Family, Multi-Family, Mixed-Use
Prepayment Penalty No
Extension Available Yes
Cross Collateral/ Blanket Loans Yes
Loan Size $100k-$5M
Loan Terms 3 Months – 3 Years

You’re Not Just Building Property. You’re Building a Portfolio.

Whether you’re putting up 3 townhomes in Tampa or a modern single-family in Fort Lauderdale — we speak your language.

We know timelines slip. We know permits stall. We know the pressure of waiting on funding when the foundation’s already poured.

That’s why we move like your project depends on us — because it does.

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