Jacksonville’s Trusted Hard Money Lender for Real Estate Investors

The best candidates for our hard money investor loans are those who want a long-term private money lending partner, not just the cheapest lender. Reliability of capital is critical, especially when you need fast funding for real estate during the offer stage, after receiving a term sheet, and throughout the draw process. You’ll be a great fit if you operate through an LLC or corporation for your real estate investments, value speed and reliability, and want a hard money lender who understands both construction and capital. We help real estate investors in Jacksonville with hard money lending solutions and construction loans that make building faster and more secure.

To begin your real estate investment loan application, submissions must be through a business entity (like an LLC or corporation), never individuals, and used solely for investment or business purposes. For investment property financing in Jacksonville, borrowers need to provide key documentation including, but not limited to:

• Credit Report
• Background Check
• Purchase and Sale Agreement
• EIN Letter
• Certificate of Good Standing
• Bank Statements
• Government-issued ID

Our business-purpose loans are available to qualified investors with a strong credit history. To determine the credit score for a hard money loan, we use the median FICO score from a tri-merge credit report (or the lower of two if only two scores are provided). Representative scores under 600 are not eligible for our investment property loans. This ensures reliable capital is deployed while giving investors competitive loan terms on private loans in Jacksonville that match their financial profile.

Yes, we provide first-time real estate investor loans and work with both new and experienced investors. Whether you’re starting your first fix and flip in Jacksonville or expanding a rental portfolio with our rental property loans, we provide tailored loan programs, accessible capital, and a supportive team. Our process is designed to give first-time investors the confidence and fix and flip funding needed to move quickly and complete their real estate projects successfully.

No personal income verification is required for our investment property loans. Our private real estate loans in Jacksonville are a form of asset-based lending, qualifying borrowers on down payments and verified liquidity. We utilize DSCR-based underwriting that focuses on the property’s cash flow rather than personal wages, making them true DSCR loans. This approach helps real estate investors qualify based on asset performance while strategically scaling their portfolios.

We offer fast loan approval for investors who need to move quickly. Pre-approvals and term sheets for our quick hard money loans can often be issued the same day. Final approval depends on clear title and property valuation, with our hybrid valuations typically taking 3–5 business days. Our hard money loans in Jacksonville can close in as little as 10-days, giving investors a reliable way to secure financing for competitive real estate opportunities.

Unitas offers deep expertise in both construction and lending, allowing us to understand the unique challenges investors face better than other hard money lenders. We close private money loans in Jacksonville in as little as 10 days, tailor every deal to your specific project, and focus on building long-term relationships. With rates starting at 9.25% and high-leverage real estate loans up to 92.5% LTC, investors get institutional capital with the hands-on, high-touch support of a dedicated private money lender.

When comparing a hard money lender vs a bank, the key differences are speed and flexibility. Unlike banks, Unitas specializes in investment real estate loans. We provide fast closing loans in days, not weeks, and structure them flexibly to fit creative deal strategies. Our process is transparent, simplified, and designed to support investors through each step. This makes our fix & flip, bridge, DSCR, and new construction lending in Jacksonville more efficient for real estate entrepreneurs.

Yes! As a nationwide direct lender, Unitas Funding offers fix-and-flip loans, DSCR loans, new construction, and bridge loans in Jacksonville and all over Florida. We lend across the country with only a few exceptions; we do not lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. For all other areas, we provide business-purpose loans, supporting investors with reliable private capital solutions.

To apply for a real estate investment loan, we emphasize personal connection in the lending process. You can use our online loan calculator, and an Account Executive will reach out to review your project, qualifications, and next steps for your real estate investor financing. From pre-approval to valuation, title, and draws, we streamline each step to ensure real estate investors in Jacksonville experience a smooth and confident path to closing.