Direct Lender for Real Estate in Florida, Georgia and Texas

Birchwood offers hard money loans for real estate Purchases, Cash-out Refinance and Rate-Term Refinances.

  • LTV up to 60% of as-is value
  • 5-Year loan term
  • No credit checks
  • No appraisals
  • No brokers included
  • OK with seller financing in 2nd position

Please note: we do NOT offer loans for land, ground-up construction or owner-occupied homes.

Property Geographic Area Details
Florida (except Miami-Dade County), Georgia, Texas
Loan Amounts
$25,000 to $400,000
Interest Rates
10% to 13%
Loan Terms
6 months to 60 months
Origination Fees
2% to 5%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Commercial Condominium
  • Community Center
  • Event Center
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
We are OK with seller financing in 2nd position behind our loan; in this scenario, we do not require the borrower to have a minimum down payment.

Max Loan-to-Purchase Price

60%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing

Fees which are mandatory for all new borrower clients

  • Title Fee

Details and Requirements

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
Pre Payment Penalty

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Get In Touch

Birchwood Loans pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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Birchwood is a direct hard money lender based in Tampa. The firm was established in 1998 to provide financing to real estate investors in Florida. We have since expanded our lending to Georgia and Texas. We only lend our own money and do not sure broker. We have no broker fees and can close as soon as we clear title.

  • Over 30 years of local lending, appraising and investor experience
  • Deal directly with us – no broker and no broker fees
  • Get funded quickly – we are ready when the title company is ready
  • We loan up to 60% of the property value
  • Your seller will take back a second mortgage? We’re OK with that.

Our goal is to create long term relationships with our clients. Our track record speaks for itself: many satisfied and successful clients. We also provide free consulting services to our customers. When it comes to hard money lending, Birchwood is the easiest and cheapest to work with.

Company Size (Number of Employees)

5

Year Established

1998

Office Locations

800 E Baker Street, Tampa, Florida 33603-5002

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

19%

Percentage of Loans Secured by Residential Property

70%

Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)

100%

Total Number of Loans Funded to Date

300

Total Loan Volume Funded to Date

$50,000,000

Our Team

Robert Goldstein

Manager

Get In Touch

Birchwood Loans pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$25,000

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