Rates Starting at 10%
West Forest Capital is a trusted private money lender, providing real estate investment loans up to $5 million. Known for our speed and reliability, we understand how every day counts in today’s fast-moving real estate market—and we’re built to move just as fast.
We offer hard money loans with the following terms and structure:
| 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 |
Working with hard money lenders rather than traditional banks offers many advantages, including:
We made a Florida Airbnb 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 an Airbnb 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.
Our client obtained a Palm Beach County Airbnb 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.Our client obtained a Palm Beach County Airbnb 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.
Our client utilized an Airbnb 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.
Banks can take weeks or even months to make a decision. At West Forest Capital, we offer same-day approvals and fund most deals within 3–5 days. In urgent cases, we can close in just 24 hours.
Traditional lenders often reject properties that need heavy rehab, lack a Certificate of Occupancy, or don’t show consistent rental income. We specialize in financing properties that aren’t stabilized yet.
We focus on the deal, not your FICO score. If the numbers make sense and the property holds value, we’re typically interested (even if your personal credit score isn’t very high).
Below are the qualifications to apply for a private money loan:
At West Forest Capital, we do more than fund deals—we help real estate investors move fast, stay competitive, and close with confidence. Unlike traditional lenders or one-size-fits-all platforms, we take the time to understand your project, your timeline, and your goals.
We lend based on the value of the asset, not just your credit score, and we work with investors in markets of all sizes. Whether you’re flipping a single-family home, developing multifamily housing, or refinancing an investment property, we offer flexible, private money loans built around the deal, not rigid underwriting formulas. Our direct, responsive approach gives you a clear advantage in today’s fast-moving real estate market.
We specialize in structuring creative, asset-based loans that meet the needs of real estate investors. Because we lend based on the property’s value (not just your financial profile), we’re often able to fund more than 100% of the combined purchase price and renovation costs.
We also offer one of the longest hard money loan terms available on the market: up to 3 years. This extended timeline gives you more flexibility to stabilize the property and secure long-term refinancing without pressure.
We evaluate several key factors before approving a loan:
Yes—we specialize in funding projects that require flexibility and speed. Our loans support:
West Forest Capital