Airbnb Loans in Florida

Rates Starting at 10%

West Forest Capital is a Florida Airbnb Property Lender, financing real estate investments up to $5 million. We have gained a reputation as the fastest Airbnb Lender in Florida because we know how critical each day is in Florida’s competitive real estate market.

We are a direct lender, not a broker
Same day pre-approval
Funding in 3-5 days, although 1 day is possible
Loan amounts up to $5 million

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(Investment Properties Only)

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Property Types

Lending Parameters

West Forest Capital offers hard money lending in the Florida market at the following:

Loan Size	$100,000 to $5,000,000
LTC	Up to 80% of purchase price
Rehab Funding	100%
LTV	Up to 70% of the ARV
Term	Standard is 12 months. 24-36 months is available
Lien	First lien; second lien as additional collateral only
Interest Rate	10%–12.5%
Points	1.5–2% of the loan amount

Counties Covered

West Forest Capital lends in the following counties in Florida:

Brevard
Broward
Charlotte
Collier
Duval
Flagler
Hillsborough
Indian River
Jackson
Lee
Martin
Miami-Dade
Orange
Osceola
Palm Beach
Pinellas
Polk
Sarasota
Seminole
St. Lucie
Volusia
And Many more!

Recently Funded Hard Money Loans

Jersey City, NJ

Newark, NJ

Elizabeth, NJ

Recently Funded Airbnb Loans

Naples, FL

Location: Naples, FL
Original Purchase: $1,950,000
Rehab Budget: Not Required
Loan Amount: $1,400,000
Exit Strategy: Paydown
Investor Capital: $550,000
Equity Created: $62,500
Investor Return on Capital: 11,4%

We made a Florida hard money loan to a client who purchased a three-bedroom, three-bathroom condo in a sought after building in Naples, Florida. Our client’s strategy was to generate returns by using the property for seasonal and short-term Airbnb rentals, which would generate higher ROIs vs. an annual lease. We provided a hard money loan of 71.8% of the purchase price, and our client self-funded light rehab, mostly cosmetic in nature. Our client repaid our loan with a paydown generated from the sale of another property. At the time of paydown, the property experienced appreciation of nearly $63k.

Boynton Beach, FL

Location: Boynton Beach, FL
Purchase Price: $437,500
Rehab Budget: $55,000
Loan Amount: $339,000 at Closing
+ $55,000 Rehab = $394,000
ARV: $570,000
Exit Strategy: Sale
Investor Capital: $98,438
Equity Created: $87,500
Investor Return on Capital: 89%

Our client obtained a Palm Beach County hard money loan in Boynton Beach to boost his offer for the property which beat out several other offers with conventional financing. After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.

Miami, FL

Location: Miami, FL
Purchase Price: $750,000
Rehab Budget: $110,000
Loan Amount: $543,750 at Closing + $110,000 Rehab = $643,750
After Repair Value: $1,125,000
Exit Strategy: Refinance
Investor Capital: $206,250
Equity Created: $265,000
Investor Return on Capital: 128.4%

Our client utilized a hard money loan in Miami, Florida to fix and flip this property in Surfside. We funded 72.5% of the purchase price, and 100% of the $110,000 rehab budget. Our client spent approximately 5 months renovating the house, and thereafter, the property sold within a week of being on the market. The closing took place approximately a month later, and although the loan was only outstanding for 6 months, there was no prepayment penalty assessed. Our loan was paid back with a portion of the proceeds from the sale, netting our client north of $200k after accounting for all holding and closing costs.

Why Use an Airbnb Property Loan

If You Need Rapid Funding: Unlike traditional banks that may take months to process your loan application, West Forest Capital offers same-day approval for Airbnb Property loans, with funding available in just 3-5 days. In urgent cases, we can even provide funding within 24 hours.
Because the Property Requires Renovation: Traditional banks often shy away from financing properties that need rehab, lack a Certificate of Occupancy (CO), or have other issues. West Forest Capital specializes in funding Airbnb Property loans for properties that do not meet standard banking criteria.
If You Have Less-Than-Perfect Credit: At West Forest Capital, we understand that situations come up in life that might impact credit. That’s why we focus on the property’s value rather than your credit score when underwriting the loan.
It’s Investment Real Estate: Typically, banks require loans to be made to individuals. But you are purchasing the Airbnb property as an investment and it should be treated as such by being in an LLC. This way, you get all of the benefits of owning an LLC, and the loan is structured as a business-purpose loan to your LLC.

Why Choose Us For Your Florida Airbnb Property Loans

We love helping real estate investors who are doing Airbnb projects in Florida, and we take pride in being a local Florida Airbnb Property Lender. We understand the permit requirements in Miami, Orlando, and Tampa. We can also review your Airbnb plans and help structure your Airbnb Loan in locations such as Jacksonville, St. Augustine, and Winter Park. Additionally, we know many of the contractors in West Palm Beach and Boca Raton, have experience dealing with the city inspectors in Gainesville, and have funded Airbnb Property in Hialeah.

Finance your Florida Airbnb Property

Florida is an excellent market for Airbnb Investments. The demand is there, and the housing stock is also available to be improved. Furthermore, the return on Airbnb versus long-term rental is attractive.

At the same time, this environment creates a competitive market and many real estate investors are looking to do Airbnb projects in Florida. Our team at West Forest Capital is ready to not only help you stand out to the seller by having commitment cash-equivalent capital but will also make sure your Airbnb gets up and running smoothly.

Asset-backed Lender Focused on Customized Solutions

We are guided by the current “as-is” market value, the renovation costs, and the “after-repaired value.” We are easy to work with and typically provide a large amount of the purchase price and 100% of the rehab costs. We are also flexible: if you do the construction out of order from your original schedule, or have a budget overrun, we will work with you to make sure your fix and flip in Florida is successful.

West Forest Capital also offers the longest Airbnb Loan available on the market (2 years), which is a great option for those projects that may take a bit more time.

Call us today and let’s talk about your loan scenario. Most likely, we will be able to fund you.

Frequently Asked Questions

What are Airbnb Property lenders?

West Forest Capital is a leading Airbnb Property lender, offering asset-based loans that emphasize the property’s value rather than your credit history. Unlike traditional banks, we provide rapid and trustworthy funding for investors, ensuring loan approvals and disbursements in just a few days. Our streamlined process is ideal for properties needing repairs or lacking a Certificate of Occupancy.

How do Airbnb Loans work?

Obtaining an Airbnb loan from West Forest Capital is uncomplicated. Interest rates are typically between 9 and 12%, with closing costs included. Our loans generally finance up to 85% of the property’s purchase price and cover 100% of renovation costs, paid out in stages as renovations progress. These loans are designed for short-term use, ensuring the total financed amount is kept under 65% of the property’s after-repair value (ARV).

What do Airbnb Property lenders look for?

As a private money lender, we extend loans primarily to LLCs rather than individuals. Our evaluation process includes assessing both the purchase price and the after-repair value (ARV) to confirm the investment’s viability. We focus on key factors such as buying properties at or below market value, sticking to a planned rehab schedule, and ensuring the title is clear. Our goal is to help you succeed with your investment, ensuring you can repay the loan successfully.

What is an Airbnb loan used for?

West Forest Capital’s Airbnb loans are perfect for real estate investors in situations where traditional banks fall short. These loans offer the flexibility and speed needed for buying and renovating properties to flip or rent and for quick acquisitions at auctions. They are also beneficial for cash-out refinancing, refinancing existing mortgages, or purchasing properties under an LLC, which traditional banks often do not support.

What should I consider before applying for an Airbnb Loan for an Airbnb?

Before you apply for an Airbnb loan, ensure the property has good profit potential and develop a solid renovation plan. West Forest Capital, as your private lender, will assess the feasibility and profitability of your project. To make the most of financing with flip lenders, it’s crucial to understand the loan terms and how they fit with your project’s timeline and budget.

How quickly can I access funds once approved for an Airbnb Loan?

After approval, the quick funding process sets West Forest Capital apart. Funds for your Airbnb project are usually available promptly, allowing you to buy and renovate your property without any delays. This swift process is one reason why we’re a preferred flip lender in the competitive real estate market.