Call Now: 954-667-9110

www.Florida-Mortgage-Lenders.com
All Information is subject to change without notice.

Florida Mortgage Menu

75% NO DOC COMMERCIAL FLORIDA MORTGAGE LENDERS

Florida Business Loans Based On Business Bank Statement Deposits. Are you self-employed or 1099 wage earner and having a hard time getting pre-approved for a Florida mortgage?  We know the story. They have a great top line, but after the accountant works their magic there isn’t much adjusted gross income left to by a Florida home. Florida bank statement Business Lenders can help!…

  • MOBILE HOME PARKS NO DOC Cash-Out Refinance Commercial Mortgage
  • SINGLE FAMILY RENTALS NO DOC Cash-Out Refinance Commercial Mortgage
  • 1-4 UNIT INVESTMENT NO DOC Cash-Out Refinance Commercial Mortgage
  • AUTOMOTIVE REPAIR NO DOC Cash-Out Refinance Commercial Mortgage
  • MULTIFAMILY Florida NO DOC Cash-Out Refinance Commercial Mortgage
  • LIGHT INDUSTRIAL Florida NO DOC Cash-Out Refinance Commercial Mortgage
  • MIXED-USE Florida NO DOC Cash-Out Refinance Commercial Mortgage
  • OFFICE NO DOC Cash-Out Refinance Commercial Mortgage
  • RETAIL NO DOC Cash-Out Refinance Commercial Mortgage
  • WAREHOUSE NO DOC Cash-Out Refinance Commercial Mortgage
  • SELF-STORAGE NO DOC Cash-Out Refinance Commercial Mortgage
  • MOBILE HOME PARKS NO DOC Cash-Out Refinance Commercial Mortgage
  • SINGLE FAMILY RENTALS NO DOC Cash-Out Refinance Commercial Mortgage
  • 1-4 UNIT INVESTMENT NO DOC Cash-Out Refinance Commercial Mortgage
  • AUTOMOTIVE REPAIR NO DOC Cash-Out Refinance Commercial Mortgage

NO DOC COMMERCIAL MORTGAGE LENDERS

preview

 NO DOC MORTGAGE FLORIDA LENDERS OVERVIEW:   

  • No Tax Return Approval on all property types and all property conditions. 
      • All Florida Commercial Property Types, All Property Florida CommercialProperty Conditions
      • Self Employed Borrowers, Wage, No Doc
      • Stated Income Loans
      • Recent Foreclosure or Short Sale or BK Ok
      • Individuals, Trusts, Foreign Nationals, Corp LLC
      • 1st & 2nd Mortgages, Florida Commercial Mortgage Lenders For FloridaCross Collateral
    • NO Tax Return, Florida Commercial Mortgage Lenders, No Doc, Stated Options
    • NO Debt-to-Income Ratio Caps Florida Commercial Mortgage Lenders
    • NO Debt Service Coverage Ratio Florida Commercial Mortgage Lenders
    • NO Financials, No 4506, All Property Florida Commercial Mortgage Lenders
    • NO Red Tape “Make Sense Underwriting” Florida Commercial Mortgage Lenders
    • Business Purpose and Florida Commercial Mortgage Lenders ForCommercial Use Only
    • No Seasoning Florida Commercial Mortgage Lenders Requirements Title or Funds
    • Florida Commercial Mortgage Lenders For Purchase, Refinance, Cash-Out Equity,
    • Residential & Commercial & Industrial & Florida Commercial Mortgage Lenders For Land
 preview

NO DOC MORTGAGE FLORIDA PROPERTY TYPES INCLUDE: 

  • Florida Rental Units – 4+ 5000 units No Income Mortgage Lenders
  • Florida Strip Malls – Florida Shopping Malls No Income Mortgage Lenders
  • Florida Mobile Home Parks No Income Mortgage Lenders
  • Florida Auto Repair Shops No Income Mortgage Lenders
  • Florida Self Storage No Income Mortgage Lenders
  • Florida Multi-Family No Income Mortgage Lenders
  • Florida Mixed-Use No Income Mortgage Lenders
  • Florida Retail Spaces No Income Mortgage Lenders
  • Florida Office Spaces No Income Mortgage Lenders
  • Florida Warehouses No Income Mortgage Lenders
  • Florida Day Care Centers No Income Mortgage Lenders
  • Light Industrial No Income Mortgage Lenders
  • Florida Hospitality No Income Mortgage Lenders
  • Florida Marinas No Income Mortgage Lenders
  • Florida Auto Body Shops No Income Mortgage Lenders
  • Florida Auto Repair Shops No Income Mortgage Lenders
  • Florida Car Wash No Income Mortgage Lenders
  • Florida Churches No Income Mortgage Lenders

NO DOC STATED INCOME FLORIDA MORTGAGE LENDERS

Fast Consultation – Apply Now For A Fast Approval!

Flexible Florida No Doc Commercial Mortgage Lenders Provide Solutions for Florida Self Employed no income verification mortgage applicantsNO Doc Florida mortgage lenders are focused exclusively on financing residential  1-4 investment, multi-family, mixed-use, and small balance commercial properties.By focusing more on the  property’s value and revenue-generating potential than the Florida self employed Commercial mortgage applicants  personal income and credit, our alternativeassetbasemortgage programs allow  Florida real  estate investors, including   W-2selfemployed, and small business ownerswho are  often tough  to qualify.Because all Florida commercial mortgage applicant, even  the extraordinary ones, deserve an opportunity.Florida No Doc Commercial Mortgage Lenders programs may be used for purchase, rate/term refinance, and cash-out refinance transactions.Florida No Doc Commercial Mortgage Lenders also allows an IRS  1031  Exchange for any  borrower. All Florida No Doc Commercial Mortgage Lenders  require impounds of taxes and insurance.Commercial Florida mortgage lenders never look at tax returns or personal income statements, and there is no DTI Analysis. You want to think of us as an asset-based lender whose main concern is the  subject property, its value, and its cash flow. Were asset based, credidriven, and perfect for Florida multifamily investors that have trouble qualifying with traditional institutions but are not interested in hard money options.FLORIDA COMMERCIAL NO INCOME VERIFICATION PROPERTY TYPES INCLUDEAcceptable property Florida commercial property types include Investor 14 units5+ Multifamily, Mixed  Useand Florida CommercialYou want to think of our acceptable property types as properties that are generic and conform to Florida zoned use.Following this logic, VMC  will stay away from  highly  specialized properties like schools, hospitals, hotels, and any  single use properties such as reception halls, theaters, or concert venues.NO INCOME VERIFICATION FLORIDA MORTGAGE PROGRAMS INCLUDE: 

  • • FlexPerm No Income Verification Commercial Lenders
  • • Fast50 Florida No Income Verification Commercial Lenders
  • • Quickfix No Income Verification Commercial Lenders
  • • ARV Pro Florida No Income Verification Commercial Lenders

FLEX PER NO INCOME FLORIDA MORTGAGE LENDERS SUMMARY Likely to be your  ‘go-to’  No Income verification mortgage loan program, the FlexPerm Florida mortgage Loan boasts a 3 or 8-year fixed ARM, with a 30-year amortization schedule. This program is available for all Florida Commercial property types.Designed for Florida Commercial investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years. It’s an uncomplicated Florida Commercial mortgage option with flexible underwriting and longer terms. You’ll want to think of this Florida Commercial no income verification loan program as a good fit for no income verification mortgage applicants that are looking to buy and hold their investments.• Great for qualifying W-2 and self-employed Florida real estate investors
• Based on property value,not personal income.
• Best alternative to hard money loans.
• Available as a 3-year-fixed or 8-year-fixed loan, each amortized over 30 years.
• Minimum mid score requirement is 650
• 75% LTV depending on property type
• 7-9% interest rates
• On SFR ‘s – most important rule across any program – borrower must own their primary residence for at least 12 months.FAST50-NO INCOME FLORIDA MORTGAGE LENDERS SUMMARYThink of this No income verification Commercial loan program as a credit forgiving extension of the FlexPerm program. Compliance requirements are still in effect even  though Underwriting flexibility is at its highest at 50% LTV or less. All Velocity Florida Commercial Property Types are eligible on this program.Designed for Florida Commercial investors with derogatory credit issues and high equity seeking quick and easy credit qualification. This is a low LTV loan with easy credit requirements. In addition, the pricing is improved by 0.50% when mid  FICO is 650+.FAST50-NO INCOME FLORIDA MORTGAGE LENDERS KEY FEATURES INCLUDE: 
• Great for no income verification mortgage applicants with a recent bankruptcy or notice of default.
•No seasoning of ownership required.
• Improved pricing compared to our FlexPerm program.
•Derogatory mortgage history is okay.
• No active FC or NOD inthe past 12 months on
subject property
• Vacant refinance not eligible
•80% CLTV maxQUICKFIX- NO INCOME FLORIDA MORTGAGE LENDERS EXPLAINEDThe QuickFix Program is a  12-month interest-only option that balloons at the end of the term.  This program is restricted to Investor 1-4 property types  and can be used for purchase as well as refinance transactions. This is a purchase or refi program that allows for deferred maintenance, vacancy, and currently listed properties.Designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing. This is a higher LTV alternative to hard money.This is a great option for no income verification mortgage applicants looking for a short-term capital solution to acquire or leverage an investor  1-4. It is also a great program for investors with legitimate ownership/experience in “Fix & Flip” real estate activities. Rates on this program will be notably higher, but remind your clients this is an alternative to a hard  money option.QUICKFIX- NO INCOME FLORIDA MORTGAGE LENDERS SUMMARY • A higher LTV than hard money options.
• Great for no income verification mortgage applicants who need a quick close.
• An interest-only 1-year term provides lower monthly payments.
• Perfect for acquiring or leveraging real estate with deferred maintenance.
• No credit minimum.
• 75% LTV for all purchase transactions.
• Only Investor 1-4 property
types.
• We do an as-is valuation and base the LTV off that value.
• Health and Safety issues are not a concern
• We do not do “tear downs”.
• It is a 12-mo. interest-only term with a 2-point cost.
• There is no prepayment penalty, but there is an interest
guarantee of 4 months. If a borrower pays off the loan after making 2 payments, 2 months of interest would be added to the payoff.
• Pricing Tiers are determined by score. A first-time investor is Tier 3.
• The Location Rate Add of 1.5% is for “Long Foreclosure” states.
• Even though Tier 3 does not have a minimum score requirement, all Tiers have minimum tradeline requirements that mirror the FlexPerm
program.
• Mortgage delinquency restrictions are the same as the FlexPerm program.
• This program allows for the refinance of vacant properties and allows for properties that are
currently listed.Credit Quickfix Enhancement  We are  no longer requiring appraisals on the Credit Quick Fix. A BPO will be required instead. Specifics are found in the Quick Fix BPO attachment.Credit  Quick Fix BPO ProcedureWe are  tweaking the Credit Quick Fix program to make it easier, and more importantly, quicker to get these deals closed. The game changer is moving from  requiring an appraisal to only  requiring a BPO. The BPOs will be returned to Velocity within 4872 hours after the order has been placed.

  1. l. The BPOs will be  paid for through the Alpha Realty site. If the Alpha site is showing a commercial appraisal cost, email Joe Clickener who will fix the glitch.
  2. The BPO cost is $250. $400-$750 LESS  than the  appraisal cost.
  3. The  BPOs will  be ordered by the Appraisal Desk.  BE SURE  TO COMPLETTHCONTACFORIN  PHAS2  OF  THE PORTALThe BPO includes an internal  inspection so we  need to know who  we are  contacting  to get the inspection done.
  4. The openers will be alerted once the order has been placed. It will be on us to get the submission to them AS QUICKLY as possible.
  5. The BPO review will take less than an  hour and will be a priority in the l-4 Real Estate department.
  6. The stip sheet will  not be  issued until the BPO has been returned and reviewed. The stip sheet should look like a clear to close if we  are on our sales game and send a complete submission to the openers. REMEMBEthe only requirements on a Quick Fix are:
  7. Executed CLA
  8. Complete Application Copy of DL & SSC
  9. Prelim
  10. Est. HUD
  11. BPO and Review
  12. Payoff Demand on refi
  13. Purchase Contract on purchase

ARV PRO- NO INCOME FLORIDA MORTGAGE LENDERS EXPLAINEDA true fix and flip product, the  ARV program is great for cosmetic rehab and bringing the subject property up to speed in terms of renovations and maintenance. Thiis NOT a constructionbased rehab loan – no tearing down  walls or additions.Designed for “fix-and-flip” investors who are seeking a short term,  interest-only loan to acquire and improve a property based on its “as repaired value”  [ARV). The best short-term solution for acquiring and improving property value.NO INCOME FLORIDA MORTGAGE LENDERS KEY FEATURES 

  • • Allows no income verification mortgage applicants to finance improvements.
  • • Great for no income verification mortgage applicants who need a quick close.
  • • An interest-only  1-year term  provides lower monthly payments.
  • • A higher LTV than hard money lenders.

Small business owners and investors utilize no income verification small commercial properties nationwide to support and operate their businesses.  We believe strongly in this type of asset and have developed financing solutions for commercial real estate loans designed specifically to help entrepreneurs achieve their vision of real estate ownership.Whether you are a seasoned commercial mortgage broker or thinking about offering small balance commercial real estate loans for the first time, it’s important you understand how the type of property financed can affect the commercial loan terms.From a no income verification lender’s perspective, commercial buildings with more general use capacity like retail, warehouse or office space are easier to finance than properties built for a specific purpose (i.e., bowling alley, bank or manufacturing plant) because they have an inherently lower risk due to a higher market demand from no income verification investors.  No income verification Lenders often avoid financing specific use properties or require a lower LTV (e.g., higher downpayment) on them to offset their higher risk profile.Florida No Income Verification For Commercial Properties:

  • Florida Office Buildings
  • Florida Retail Stores
  • Florida Warehouses
  • Florida Self-Storage Buildings
  • Florida Automotive Repair Shops

While we do provide Florida investment property financing for up to $5 million on small balance commercial real estate buildings, most of our commercial real estate loans fall under $4 million in value. These smaller Florida no income verification loans are much easier to approve and close in comparison to “institutional” loans for larger Florida properties, so they’re a great place to start if you’re seeking no income verification real estate loans.Starting with smaller, easier-to-approve Florida buildings will help you establish your commercial Florida mortgage lending practice. As a Florida investor once you’ve completed a few Stated commercial mortgage purchase or refinance you can quickly move on to larger properties to generate more revenue per commercial purchase.

Florida No Income Verification Commerical Mortgage Lenders 

No Income Verification Florida Commercial Mortgage Lenders is a nationwide, direct portfolio Florida commercial lender dedicated exclusively to providing Florida investment property loans for residential 1-4, multi-family, mixed-use, and small balance commercial properties.By focusing more on the Florida property’s value and revenue-generating potential rather than the Florida investors personal income and credit, our asset-based Florida investment property loans enable investors to meet the unique needs of real estate investors who are tough to qualify, including W-2 employees, self-employed Florida entrepreneurs, and small business owners.  Because every borrower, even the extraordinary ones, deserves an opportunity.To learn more about the benefits of our Florida stated income investment property loans, simply click on any of the images below.

No Income Commerical Florida Investment property loans offer a familiar starting point.

Residential rental properties like single family homes, condominiums, town homes and small apartment buildings provide the perfect opportunity for brokers to grow their business by adding investment property loans to their offering.Most brokers are already familiar with these properties, so the move from consumer home loans to rental property loans provides a fast track for creating a new revenue stream without having to change the way they already do business.

We make financing for No Income Commerical Florida apartment buildings easy.

Offering financing for Florida apartment buildings, otherwise known as Florida multi-family properties, is an excellent strategy for brokers to expand their Florida business offering and client base.To qualify as a Florida multi-family investment property, the building must have five or more dwellings (apartments), whereas buildings with four or less units are still classified as residential 1-4 investment properties in most states.To real estate investors, a multi-family apartment building is a solid real estate investment strategy for generating revenue since its cash flow is significantly higher than a single-family property and its operating cost is less influenced by any single vacancy.While a larger multi-family property lowers the risk for investors, it’s important for brokers to communicate that lenders typically assign a higher risk profile to apartment building loans since the properties are harder to liquidate than smaller residential investment properties.Lenders often use a lower LTV in financing an apartment building to offset the increased risk, so your borrower may need to provide a larger down payment.
 
     
NO DOC STATED INCOME FLORIDA MORTGAGE LENDERS    
75% LTV+NO DOC FLORIDA COMMERCIAL MORTGAGE LENDERS    
NO INCOME VERIFICATION COMMERCIAL GA MORTGAGE LENDERS    
NO DOC STATED INCOME TAMPA FL COMMERCIAL MORTGAGE    
75% LTV Jacksonville FL No Income Verification Commercial Mortgage Lenders    
75% NO DOC TEXAS COMMERCIAL MORTGAGE LENDERS    
FLORIDA NO-DOC COMMERCIAL MORTGAGE LENDERS      
75% LTV+Tampa Florida Commercial No Income Verification Mortgage Lenders    
NO INCOME MIAMI FL COMMERCIAL MORTGAGE LENDERS    
Orlando FL NO INCOME Verification Commercial Mortgage Lenders    
No-Doc Orlando FL Mortgage Lenders:No income Doc Lenders No tax returns    
NO INCOME VERIFICATION TEXAS COMMERCIAL MORTGAGE LENDERS    
NO DOC+STATED INCOME TEXAS COMMERCIAL MORTGAGE LENDERS    
75% LTV+NO INCOME VERIFICATION MIAMI FL MORTGAGE LENDERS    
Jacksonville FL No Income Verification Commercial Mortgage Lenders    
Tampa-bay-St Pete-Clear-water FL No DOC Commercial Mortgage Lenders    
Saint Petersburg, FL No Income No Tax Return Commercial Mortgage Lenders    
STATED INCOME MIAMI FL COMMERCIAL MORTGAGE LENDERS    
Jacksonville Fl Stated Income No Doc Commercial Mortgage Lenders    
No Income Verification Florida Investment Loans    
  • FHA Mortgage Len
     
    1399173
    "Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
    5.0/5.0
    by lbaze2008
    1375949
    "I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
    by rmac333
    1345066
    "Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
    5.0/5.0
    by zuser20140303145114251

    MINIMUM CREDIT SCORE

    PORTFOLIO MORTGAGE

    NO MIN FICO SCORE 

    NO TAX RETURN PROGRAMS

    550 MIN FICO

    FHA/VA MORTGAGE

    500 MIN FICO

    CONVENTIONAL

    620 MIN FICO

    CALL NOW!

    954-667-9110

    Apply Now!

    All Information Subject To Change Without Notice and should not be relied on for decision making.

     
    1399173
    "Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
    5.0/5.0
    by lbaze2008
    1375949
    "I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
    by rmac333
    1345066
    "Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
    5.0/5.0
    by zuser20140303145114251

    MINIMUM CREDIT SCORE

    PORTFOLIO MORTGAGE

    NO MIN FICO SCORE 

    NO TAX RETURN PROGRAMS

    550 MIN FICO

    FHA/VA MORTGAGE

    500 MIN FICO

    CONVENTIONAL

    620 MIN FICO

    CALL NOW!

    954-667-9110

    Apply Now!

    All Information Subject To Change Without Notice and should not be relied on for decision making.

    Florida Mortgage Menu