Finding the best hard money lenders in Panama City Beach FL is crucial to your real estate investing success. Whether you’re new to real estate investing or you’ve been doing it years, your Panama City Beach hard money loans can end up costing you thousands of dollars if you don’t select your hard money lender carefully. Whether you’re looking for a fix and flip loan or a longer term rental loan for the BRRRR Method, a bad hard money loan can cost you thousands of dollars in profit if you don’t account for things like origination fees, monthly interest, prepayment penalties and more. On the flip side, a favorable hard money loan can provide the financing you need to make a deal possible and successful. Panama City Beach private money lenders can give you the financing you need to secure your deal.

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Top 5 Best Hard Money Lenders in Panama City Beach FL

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Birchwood Loans

Birchwood Hard money offers Hard money loans for Real Estate Investors in Tampa and surrounding areas. With Birchwood, you will find a fast and easy source of hard money lender funding for your real estate investments. They can finance up to 60% LTV for a period of up to 5 years and provide interest only payments. They can give you an approval within 24 hrs. The paperwork for the closing is typically 3-5 business days.

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AHL Hard Money

AHL Hard Money offers the following niche programs: Hard money loans, private money loans, cash out refinance, bad credit loans, home equity loans. According to their website, they specialize in special needs. Whether that be for credit challenged borrowers, the self employed, or other unique circumstances.

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Bridgewell Capital

Bridgewell Capital is a hard money lender based in Orlando. They offer rehab loans for flips and for rental properties. They also do multifamily loans and commercial loans.

Here are some of their fix and flip loan terms:

  • Up to 100% of rehab costs
  • Up to 75% ARV
  • Closings in 10 days
  • Damaged Credit Okay
  • No interest on undrawn rehab funds
  • No pre-payment penalty

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Civic Financial Services

Our next hard money lender is CIVIC Financial Services. CIVIC is a best-in-class real estate lender that provides fast and simple financing to real estate investors. Whether the intention is to buy a single-family home to flip, to leverage an existing portfolio of rental homes to hold long term, or to acquire multifamily real estate for cash flow, they have a focused team and set of products that empower investors to build wealth through real estate.

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A2Z Capital Lending

A2Z Capital Lending is a Florida based hard money lender. They have excellent reviews on Google and a professional website. They’ve been operating in Florida in many years so you can use them confidently.

Unlike traditional bank loans, the ability to obtain hard money financing isn’t determined by the borrower’s credit worthiness. Instead, A2Z Capital Lending uses the value of the property itself in determining whether to make the loan.

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FAQ about the Best Hard Money Loans in Panama City Beach

What Do Panama City Beach Hard Money Lenders Charge?

Hard money loan rates in Panama City Beach range from 8-12% for most fix and flip and shorter term loans. Many hard money lenders in Panama City Beach also charge points or origination fees on a loan that range from 1-2.

Do Hard Money Lenders In Panama City Beach Require Appraisals?

With most hard money lenders in Panama City Beach, the loan to value (LTV) is determined through an appraisal or a broker opinion of value.

What Are Hard Money Loans In Panama City Beach?

Hard money loans in Panama City Beach are loans secured by real estate used to purchase or rehab that piece of property. These short term loans are used to purchase and/or rehab residential or commercial properties. They’re usually more expensive than traditional loans but can be closed faster and oftentimes with less credit requirements.

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More About Panama City Beach Florida

Panama City Beach is a popular vacation destination located in the Florida Panhandle. Known for its beautiful white sand beaches and crystal clear waters, this city offers a wide range of activities and attractions for visitors of all ages.

One of the best things to do in Panama City Beach is to spend time on the beach. The city has over 27 miles of pristine coastline, with plenty of public access points. Visitors can swim, sunbathe, build sandcastles, and enjoy a variety of water sports, such as kayaking, paddleboarding, and parasailing.

Another popular activity in Panama City Beach is fishing. The city is home to several fishing charters that offer deep-sea fishing trips, as well as pier and shore fishing opportunities. Visitors can catch a variety of fish, including red snapper, grouper, and amberjack.

For those who prefer to stay on land, there are plenty of other things to do in Panama City Beach. The city has several parks and nature preserves, such as St. Andrews State Park and Conservation Park, where visitors can hike, bike, and explore the local flora and fauna.

Panama City Beach is also home to several attractions, such as the Gulf World Marine Park, where visitors can see dolphins, sea lions, and other marine animals up close. The city also has several amusement parks, such as Shipwreck Island Waterpark and WonderWorks, which offer fun and entertainment for the whole family.

When it comes to food, Panama City Beach has a wide range of options to choose from. Seafood is a popular choice, with many restaurants serving fresh fish, shrimp, and oysters. Visitors can also find a variety of international cuisines, such as Italian, Mexican, and Japanese.

Overall, Panama City Beach is a great vacation destination for those looking for sun, sand, and fun. With its beautiful beaches, outdoor activities, and attractions, there is something for everyone to enjoy.

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