Finance a Wellington flip, bridge, or ground-up project on the deal — not your income. Known worldwide for its equestrian scene, Wellington is an upscale Palm Beach County village where seasonal demand and gated-community renovations support high-ARV resale. Direct lender funding in as few as 5 days.
Hard Money in Wellington
A Wellington hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Wellington is an upscale, equestrian-anchored Palm Beach County village where seasonal show demand and gated-community renovations support high-ARV resale. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options, and fund rehab on draws for larger scopes. Equestrian acreage, HOA approvals, and Palm Beach carrying costs are underwritten with a disciplined ARV so upscale deals close on time.
| 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 | Palm Beach County |
Eligible properties
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
In Wellington, 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 Wellington borrowers run into.
Wellington 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.
Wellington market data
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | ~$650K |
| Typical flip margin | $75K-$150K on upscale renovations |
| Avg days on market | ~33 days for renovated resale |
| Investor activity | Seasonal — equestrian and upscale demand |
| Insurance (holding) | Moderate inland Palm Beach |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Wellington neighborhoods
Wellington areas ranked by upscale renovation demand, confirmed per deal by appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Palm Beach Point (equestrian) | $1.5M-$5M | Equestrian estate value-add |
| Olympia | $550K-$850K | Family SFR flips |
| Versailles | $700K-$1.3M | Upscale gated renovations |
| Isles at Wellington | $500K-$800K | Waterfront-adjacent value-add |
| Wellington View / central | $450K-$650K | Value-add resale basis |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
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.
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
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 Palm Beach Point (equestrian) project bought at $550,000 with a $85,000 rehab (ARV $760,000): applying the 75% ARV cap, we lend about $570,000; with 2 points (about $11,400) and about 9 months of interest at 9.49% (about $40,600), estimated cash to close is about $76,400. After about 7% selling costs, estimated net profit is about $19,800 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
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
Here is what it takes to get funded in Wellington: light documentation, deal-first underwriting, and flexible vesting. The full requirements follow.
| 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
Yes — the seasonal equestrian scene supports strong upscale resale and rental demand, which we factor into Wellington deals.
Yes — we lend on equestrian and acreage value-add, underwriting the land use, HOA rules, and ARV so the deal pencils.
Up to 95% of cost, 90% of purchase, and 100% of rehab, capped near 75% of the high ARV.
As few as 5 days on a complete file, with larger rehab scopes funded on draws.
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.
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.
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Wellington visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Beyond fix & flip
A Wellington 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 equestrian and affluent demand from the Equestrian Club to Olympia. Each is asset-based, funded on the deal, not your income.
Our core Wellington 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 the Equestrian Club or Olympia 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 →
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 Wellington neighborhoods like the Equestrian Club, Olympia and Binks Forest. We underwrite both sides in-house. Explore the Wellington DSCR refinance exit →
From 2–4 units to 30–150 unit value-add and mixed-use assets in Wellington, 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 →
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 →
Close before you sell, buy at auction, or reposition a short-term rental for the Wellington 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 Wellington
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.
© 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.
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