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Florida Hard Money Loan Programs

Get the Capital You Need to Get the Job Done!

Map of Florida

NSS Lending services the entire state of Florida. Pensacola / Panama City to Tallahassee, Jacksonville / St. Augustine to Daytona Beach, Kissimmee / Orlando, Ocala / The Villages to Tampa / St. Petersburg, Ft Myers / Naples to Palm Beach, Ft. Lauderdale / Hollywood / Miami to the Florida Keys.

Rural Florida? No Problem!

Our real estate loans are designed to get you the capital you need to get the job done in the most streamline fashion. The only thing we require is for the numbers to work!   

Residential & Commercial 
Fix & Flip

Our rehab loans provide you with short term financing solutions to help you make those essential repairs or upgrades.  With friendly and knowledgeable staff, we make the lending process simple and stress-free.

Bathroom remodel showing water tubes for heated floors

No DTI, No W2s,
No Paystubs Required

  • Up to 70% Of the ARV

  • Up to 90% LTV

  • 100% of Your Rehab Budget

  • Origination Fee 0-4%

  • Interest Only and Deferred Payment Options Available

  • No Prepayment Penalty on12-Month Terms

  • 3 Month Prepayment Penalty on 6-Month Terms

bathroom with white marble floors and jacuzzi tub
  • Interest Rate .90 to 1.17 Per Month

  • Minimum FICO: 600

  • Portfolio or Single Asset 

  • No Minimum to $5MM

  • SFR, 2-4 Units, Warrantable and Non-Warrantable Condos & Townhomes, Mobile Homes and Condotels

Rural Property?

No Problem!

Ground Up

While many investors are constantly on the hunt for run-down, dilapidated properties to fix and flip, investors with the strategy of new construction do just the opposite and typically have solid returns.

  • Starting at 80% of Purchase

  • 100% Of the Construction

  • Experience 3+ Roundtrip

  • 100% of the Rehab

  • 680 Minimum Credit

  • Lender Points 2% - 4.5%

  • 6 to 24-Month Terms

  • Interest Only or Deferred Payment Options Available

  • 1-4 Units

Couple make their dreams of building their own home come true visiting house under constru
No Experience? No Problem

Maximum LTV 55% Using a Seasoned Builder / Developer With Five Completed Home Builds In Four Year In Similar Market

Residential and Commercial
Rental Loans

Whether you're a first-time investor or an experienced pro looking to expand your portfolio, DSCR Loans may be a good solution for your purchase or refinance. No DTI, No W2s, No Paystubs Required. 

  • Up To 80% LTV On Purchase

  • Up To 75% On Refinance

  • 575+ Credit Score

  • 5/1 ARM

  • 30-Year Fixed Rate

  • <.75 DSCR

  • With or Without Tenant

House for rent key ring


  • Single Family

  • 2-4 Units

  • Multi-Family 5+

  • Mixed-Use

  • Warrantable and Non-Warrantable Condos & Town Homes

  • Condotel

  • Mobile Homes


5+ Residential, Industrial, Retail, Restaurant, Warehouse, Self-Storage, Manufacturing, Mixed-Use

 $100,000 to $250MM  


Refinance, New Acquisition, Rehab and New Construction Projects

Experience Required

680+ Credit

Full Doc Loans

 (When Applicable)

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