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%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 5%

Loan Terms

6 months to 60 months

Lien Position

  • 1st

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 and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

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

Purchase Loan

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


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

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

Details and Requirements

Fastest Closing Time (Days)


Works With

  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Fees which are mandatory for all new borrower clients

  • Title Fee

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)


Year Established


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 company’s lending business focused on private mortgage


Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Owner-Occupied


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


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Robert Goldstein


Robert has been living in Florida and managing the company’s loans in the state of Florida since 1977. He has personally owned and managed residential and commercial property and is well known throughout the Tampa Bay Real Estate scene. Robert’s expertise in real estate and lending makes him an ideal person to turn to for your capital needs. Robert has been a direct hard money lender in Tampa for many years and is known thru out the real estate community.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.


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