Private Lending — Florida, USA
Become a Private Lender
Do what banks do: finance real estate deals in Florida backed by first-lien mortgages. Collect interest every month and your capital is protected by a real asset.
8-10%
Annual rate
Monthly
Interest payments
~12
Avg. months term
1st Lien
First-position mortgage
What you get as an investor
A predictable investment with monthly cash flow and capital backed by a tangible asset.
8% to 10% annual rate
Returns significantly higher than bank CDs (~3.5%, CD 12M Treasury Yield) and Treasuries (~4.2%), with risk mitigated by real estate collateral.
Monthly cash flow
You receive interest payments every month. No need to wait until maturity to see returns — your investment generates income from day one.
~12-month average terms
Your capital isn't locked up for years. Terms of around 12 months allow you to reassess, reinvest, or access your funds in the near term.
Capital protected by a real asset
Each loan has a first-lien mortgage on a Florida property. If anything goes wrong, the property backs your investment.
Concrete investment example
Here's how a typical 12-month private loan works for an investor.
Investment
$100,000
Invested capital
Rate: 10% annual
Term: 12 months
LTV: 65%
Monthly flow
$833
Monthly interest
Frequency: Every month
Total interest: $10,000
Return: 10% effective
At maturity
$100,000
Capital return
Total received: $110,000
Net profit: $10,000
Collateral: Property appraised at $154K
How your investment works
Three simple steps. No surprises, no fine print.
Choose how much to invest
We discuss your available capital, your preferred term, and the return level you're looking for. There's no fixed minimum — we work with investments starting at USD 50,000.
Review complete documentation
Before investing, you review all deal documentation: property appraisal, clean title, insurance policy, borrower analysis, and exact loan terms. You decide if the deal works for you.
Collect interest every month
Once the deal closes, you start receiving monthly interest payments. At maturity, you get your full capital back. Your investment is backed by a first-lien mortgage throughout the entire process.
How does it compare to other investments?
Higher returns than traditional instruments, with the predictability of monthly cash flow and the backing of a tangible asset.
| Instrument | Annual rate | Risk | Collateral | Cash flow |
|---|---|---|---|---|
| Bank CD | ~3.5% | Low | FDIC insured | At maturity |
| Treasury 10Y | ~4.2% | Low | US Government | Semi-annual |
| S&P 500 | ~10% | High | None | Variable / volatile |
| Private Loan | 8-10% | Medium | Real estate (1st lien) | Monthly |
Loans Closed
Capital Managed (USD)
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Calculate your returns before investing
Simulate a private loan investment, compare returns against other instruments, and analyze Fix & Flip or construction projects. All with real data.
Want to learn more about investing?
Schedule a no-obligation consultation. I'll walk you through available deals, terms, and how the entire process works. No pressure, no fine print.