Hard Money Loans Gainesville, Florida
Finance a Gainesville flip, bridge, or ground-up project on the deal — not your income. Near the University of Florida, Gainesville student rentals give investors dependable value-add demand year round. Direct lender since 1998, funding in as few as 5 days.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- UF student rentals
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Gainesville Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: University of Florida student-rental investors
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Gainesville
What is a hard money loan in Gainesville, Florida?
A Gainesville hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Gainesville revolves around the University of Florida, where student rentals near campus drive dependable value-add returns from Midtown to the Duckpond. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options, funding rehab on draws in as few as 5 days — then help you exit by sale or a DSCR refinance on the lease income.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Alachua County, North Central Florida |
Eligible properties
Gainesville hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
In Gainesville, the gap between a broker and a direct lender is real money and real days. Here is how our terms compare with the national hard money lenders most Gainesville borrowers run into.
Gainesville investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Gainesville market data
Gainesville fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | About $300K |
| Typical flip margin | $40K-$80K gross |
| Avg days on market | About 40 days |
| Investor activity | Steady · UF rentals |
| Insurance (holding) | Low · inland |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Gainesville neighborhoods
Where Gainesville flips & BRRRRs pencil
Representative 2026 figures across Alachua County, confirmed per deal by an as-is and ARV appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Near UF / Midtown | $250K-$450K | Student rentals |
| Duckpond | $300K-$550K | Historic value-add |
| Haile Plantation | $350K-$600K | Family resale |
| NW Gainesville | $280K-$480K | Rental demand |
| SW Gainesville | $260K-$450K | Cash-flow rentals |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Gainesville fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Gainesville hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Worked example
A real Gainesville hard money deal
A Near UF / Midtown project bought at $230,000 with a $55,000 rehab (ARV $360,000): applying the 90%-of-purchase + 100%-of-rehab cap, we lend about $262,000; with 2 points (about $5,200) and about 9 months of interest at 9.49% (about $18,600), estimated cash to close is about $28,200. After about 7% selling costs, estimated net profit is about $25,900 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Gainesville hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Short-term rental (STR) loans | Acquire or reposition Airbnb / vacation rentals; bridge to a DSCR STR exit |
| Commercial | Office, retail, industrial & special-purpose; value-add & stabilize |
| Mixed-use | Ground-floor retail + residential; reposition & lease-up |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Gainesville hard money requirements
A Gainesville hard money file moves fast because we underwrite the asset, not your paystubs. These are the basics we need to size and close your Gainesville loan.
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Gainesville hard money loan FAQ
Do you fund University of Florida student rentals?
Yes — purchase and rehab near campus, then a 30-year DSCR refinance on the lease income.
How fast can I close in Gainesville?
As few as 5 days on a clean file, with rehab funded on draws.
Are student rentals a good Gainesville hard money play?
Yes — steady University of Florida demand supports dependable value-add and cash flow near campus.
What areas of Gainesville do you lend in?
Across Alachua County, from Midtown and the Duckpond to Haile Plantation and NW Gainesville.
Do you offer a BRRRR loan program in Gainesville?
Yes. We fund the hard money bridge to buy and rehab, then refinance you into a 30–40 year DSCR rental loan on the stabilized rent — no tax returns, qualified on the property's cash flow. Both sides are underwritten in-house.
Can you bridge a Gainesville multifamily or mixed-use deal?
Yes — from 2–4 units to 30–150 unit value-add and mixed-use. Up to 95% of cost on the reposition, interest-only with rehab draws, then refinance to permanent.
Do you fund short-term / vacation rental rehabs in Gainesville?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Gainesville visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Related Gainesville & Florida investor loans
Beyond fix & flip
Gainesville investor loan programs: bridge, BRRRR, multifamily & more
A Gainesville hard money loan is only the entry point. As a direct lender we structure the whole deal — the fast bridge in, the rehab draws, and the long-term exit — across every program below, funded on University of Florida rental demand from Downtown to University Park. Each is asset-based, funded on the deal, not your income.
Fix & flip bridge loans in Gainesville
Our core Gainesville flip program funds up to 95% of cost — 90% of purchase plus 100% of rehab on draws, capped at 75% of ARV — so you can buy, renovate and resell in Downtown or University Park with minimal cash in the deal. Interest-only, close in as few as 5 days, no tax returns. See the full fix & flip loan program →
The Gainesville BRRRR loan program (buy, rehab, rent, refinance, repeat)
BRRRR investors use our hard money bridge to acquire and rehab, then refinance into a 30–40 year DSCR rental loan on the stabilized rent — no W-2s, qualified on the property's cash flow. It is the fastest way to recycle capital across Gainesville neighborhoods like Downtown, University Park and Haile Plantation. We underwrite both sides in-house. Explore the Gainesville DSCR refinance exit →
Multifamily & mixed-use bridge loans
From 2–4 units to 30–150 unit value-add and mixed-use assets in Gainesville, we bridge multifamily and commercial deals on the asset — reposition, lease-up and stabilize, then refinance to permanent. Up to 95% LTC on the reposition, interest-only, with rehab draws. See multifamily & mixed-use loan options →
Ground-up construction in Gainesville
For builders and developers we fund land plus vertical construction on a draw schedule — infill single-family, townhomes and small multifamily. See construction loan options →
Bridge & vacation-rental (STR) rehab loans
Close before you sell, buy at auction, or reposition a short-term rental for the Gainesville visitor market. Our bridge and STR-rehab programs fund fast on the asset and exit by sale or a DSCR refinance that qualifies on short-term-rental income. Bridge loans → · Vacation rental rehab loans →
| Program | Best for | Structure |
|---|---|---|
| Fix & flip bridge | Buy–rehab–resell | Up to 95% LTC · 90% purchase · 100% rehab · 75% ARV |
| BRRRR (bridge + DSCR) | Buy–rehab–rent–refi | Hard money in, 30–40 yr DSCR out on the rent |
| Multifamily / mixed-use bridge | 2–150 unit value-add | Up to 95% LTC reposition, then refinance to permanent |
| Ground-up construction | Builders & developers | Land + vertical on draws |
| Bridge / STR rehab | Fast close, auction, short-term rental | Asset-based, exit by sale or DSCR |
Get funded in Gainesville
Apply for your Gainesville hard money loan
Start your application on the right — no tax returns, same-day term sheet, and funding in as few as 5 days. Prefer to talk it through? Call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and selling costs. This page is informational and does not constitute financial, legal, tax, or investment advice.