Gainesville, FL's Trusted Hard Money Lender for Real Estate Investors

Gainesville's identity as a University of Florida college town keeps rental and renovation demand consistently high near Duckpond and Midtown, where investors compete for housing stock walkable to campus and Shands medical center.

Unitas Funding provides private real estate loans for investors throughout Gainesville and Alachua County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Gainesville investors need to compete.

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Fast, Reliable Capital for Your Next Gainesville Deal

Gainesville's University of Florida-driven rental economy supports strong margins for investors who can close fast near campus and Midtown. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Alachua County.

Fix & Flip Loans

Fix & Flip Loans

Duckpond's historic homes and Midtown's near-campus inventory reward investors who modernize for UF-affiliated renters and buyers. Unitas funds acquisition and rehab budget together so you can close and start work fast.

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New Construction Loans

New Construction Loans

Infill development near Midtown and the UF campus corridor continues as Gainesville's student and medical-district population grows. Our construction loans fund the full build cycle with 24-48 hour draws to keep North Florida crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Duckpond acquisition before your permanent financing is finalized? Unitas bridge loans give Gainesville investors the short-term capital to secure deals without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Gainesville's university and Shands-driven rental demand supports consistently strong DSCR returns near campus. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Gainesville

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Gainesville closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Gainesville Market Expertise
    Our team understands Alachua County's university-driven rental economics, from Duckpond's historic stock to Midtown's near-campus demand, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Gainesville rehab and construction projects moving on schedule.

  4. A Track Record Built in Gainesville
    We've funded deals across Duckpond, Midtown, and the UF campus corridor, building the track record Gainesville investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Gainesville deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Gainesville?

Most Gainesville transactions close within 10 business days of a completed application, with our team coordinating directly with Alachua County title companies.

What loan-to-cost is available for Gainesville fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for Duckpond and Midtown projects.

Does Unitas finance rental properties near the UF campus?

Yes, our DSCR program funds rental properties near campus and throughout greater Gainesville, qualifying the property's income rather than personal tax returns.

Does Unitas fund new construction near Midtown Gainesville?

Yes, our construction and bridge programs can fund infill projects throughout the Midtown and campus corridor.

What parts of North Central Florida does Unitas serve besides Gainesville?

We fund deals throughout Alachua County and North Central Florida, including Alachua and Newberry.

Ready to Fund Your Next Gainesville Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Gainesville investors need to compete in a market driven by one of the nation's largest universities. From Duckpond restorations to Midtown infill, we fund projects across Alachua County. Contact us today to discuss your Gainesville investment property financing.

Unitas Funding has funded 18+ deals for investors in and around Gainesville, FL.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.