Looking for CRE Financing Sources

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Looking for CRE Financing Sources

KP Capehart
Real Estate Broker · Mount Dora, FL · Member since 2016 · 11 posts · 6 votes

Central Florida CRE investors — I'm looking for recommendations for reputable private lenders, bridge lenders, and commercial real estate financing sources active in the Volusia County FL market.

I'm currently working on a value-add multifamily acquisition and evaluating financing options to complement senior acquisition financing.

I'm particularly interested in lenders or financing sources with experience in smaller multifamily acquisitions, renovation, and value-add projects.

If you've worked with a lender or financing group you'd recommend, I'd appreciate the referral or any insight into your experience with them.

AI disclosure: I used AI assistance to help organize and polish this post.

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Noah WrightBusiness Member
USA, Nationwide · Member since 2024 · 357 posts · 128 votes
3w

Smart to sort out the second piece before you're deep into the deal, because the first thing to settle isn't who, it's whether your senior lender will allow it. Most hard money lenders won't sit behind or ahead of another lien unless their loan documents specifically permit it, so a lot of smaller value-add buyers end up with one bridge lender covering purchase and rehab instead of stacking two. Whoever you talk to, ask how their draws work (who inspects, how many days to fund, lien waivers on every draw) and how many months of minimum interest you owe on an early payoff. A lender is only as good as the draw process behind the rate. Is your senior lender already committed, and does their term sheet say anything about subordinate financing?

[email protected]737-773-3717
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  • Noah WrightBusiness Member
    USA, Nationwide · Member since 2024 · 357 posts · 128 votes
    3w

    Smart to sort out the second piece before you're deep into the deal, because the first thing to settle isn't who, it's whether your senior lender will allow it. Most hard money lenders won't sit behind or ahead of another lien unless their loan documents specifically permit it, so a lot of smaller value-add buyers end up with one bridge lender covering purchase and rehab instead of stacking two. Whoever you talk to, ask how their draws work (who inspects, how many days to fund, lien waivers on every draw) and how many months of minimum interest you owe on an early payoff. A lender is only as good as the draw process behind the rate. Is your senior lender already committed, and does their term sheet say anything about subordinate financing?

    [email protected]737-773-3717
    1Reply
    • KP Capehart
      OP
      Real Estate Broker · Mount Dora, FL · Member since 2016 · 11 posts · 6 votes
      2w

      Thanks, Noah! Appreciate the insight. Senior lender not committed yet. I'm working through a close friend who's a great mortgage broker. We looking at a DSCR loan as the building is currently operational. So I haven't yet seen the official term sheet. We r looking at 75% LTV rn, and again, I haven't seen details bc we haven't yet locked it in.

      0Reply
  • Marc Del Priore
    Lender · Philadelphia, PA · Member since 2024 · 59 posts · 17 votes
    2w

    Hi KP — for a value-add multifamily in Volusia, bridge and private lenders usually size off purchase price plus renovation budget, in-place income, and your exit into senior debt or a sale, so having the rent roll and rehab scope ready makes the conversation much faster. Any structure alongside senior financing also needs to be clear on total leverage and lien position, since many private lenders want first position. I am Marc with Royal Partners — happy to give you straight numbers if you want to DM me the purchase price, renovation budget, and current rents.

    1Reply
    • KP Capehart
      OP
      Real Estate Broker · Mount Dora, FL · Member since 2016 · 11 posts · 6 votes
      2w

      sent a connection request.

      0Reply
  • Jiao Liu
    Lender · Houston, TX · Member since 2026 · 56 posts · 14 votes
    2w

    Hi KP — I do the financing on value-add small multifamily, purchase-plus-rehab included, and I can price the piece you're placing. To give you a straight answer in one go, here's what I'd need:

    - Property address (or submarket) and unit count

    - Purchase price, current value, and the rehab budget

    - The ARV you're underwriting to, and what you're basing it on

    - How much you're looking to raise, and where the senior piece stands — already set, and at what amount?

    - Current rents and occupancy

    - Sponsor experience — similar value-add projects completed in the last 2–3 years

    - Exit — sell, or refinance into long-term debt

    - Funding deadline, holding entity (LLC or personal), and the borrower's credit score range

    Send that over and I'll come back with real numbers.

    — Jiao

    1Reply
  • Ali NajjarBusiness Member
    Lender · NJ · Member since 2025 · 66 posts · 28 votes
    2w

    I’m a lender and we do commercial real estate loans on multifamily in Florida, plus fix-and-flip and blanket/portfolio loans. Send me the purchase price and rehab budget and I’ll tell you what fits, and whether the senior loan is already lined up.

    Quicker Home Loans526 Reviews
    WebsiteView Page
    0Reply
  • Renard BrownPro Member
    Austin, TX · Member since 2026 · 56 posts · 6 votes
    2w

    Hi @KP Capehart ! I’m with Blackstone Ridge Capital. Happy to connect if you need financing for your investment properties!

    0Reply
  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    2w

    Hey KP,

    How many units were you looking at? If it's anything 5-21 unit, happy to connect with a source!

    [email protected]818-269-7983
    LuxePrivate Investments LLC 572 Reviews
    WebsiteView Page
    0Reply
    • KP Capehart
      OP
      Real Estate Broker · Mount Dora, FL · Member since 2016 · 11 posts · 6 votes
      2w

      10 units. Thx, Erik!

      0Reply
  • Nicholas FloydBusiness Member
    NY · Member since 2026 · 329 posts · 105 votes
    2w

    KP, sounds like an interesting project. Value-add multifamily deals can be great opportunities when the acquisition and renovation numbers make sense.

    I specialize in helping real estate investors and business owners access capital through several financing options, including business lines of credit, business loans, revenue-based funding, and 0% APR business credit cards offering 6–12 months of interest-free financing.

    Depending on your credit profile and business qualifications, some of these options could help cover renovation expenses, working capital, or other costs associated with the project without having to bring in additional equity partners.

    I also have access to aged shelf corporations, which may be worth exploring if your current LLC doesn't meet certain lenders' business-age requirements, although approval depends on more than business age.

    Since you mentioned you’re looking for financing to complement your senior acquisition loan, I’m curious how much additional capital you’re looking to secure and whether it’s primarily for renovations, closing costs, or the equity portion of the acquisition.

    I’d be interested in seeing if there’s a financing solution that makes sense for your project.

    0Reply
    • KP Capehart
      OP
      Real Estate Broker · Mount Dora, FL · Member since 2016 · 11 posts · 6 votes
      2w

      Thanks for reaching out. I’ll DM u some specifics.

      0Reply
  • Mayo GilfurtPro Member
    Real Estate Consultant · Connecticut Ct · Member since 2026 · 166 posts · 35 votes
    2w

    Hi KP,

    I work with private, bridge, and commercial lending sources for value-add multifamily transactions, including acquisition and renovation financing.

    The best fit will depend on the property's unit count, purchase price, renovation budget, current and projected NOI, requested leverage, and your experience. If you're open to it, send me a direct message with the basic deal summary and capital request. I'd be glad to review the opportunity and determine which financing structures may be worth considering.

    — Mayo Gilfurt

    Gilfurt Capital

    0Reply
  • Tommy Deguchi
    Member since 2026 · 62 posts · 3 votes
    4d

    On the exit side of value-add, my guy is the takeout I keep in the stack - refi off the new value with no seasoning once the renovation is done, and no origination fee on his paper. DM me if you want his info.

    0Reply
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