Direct Lender for Florida Real Estate Investors

At LV Lending, we offer a short-term loan that provides immediate cash flow to property investors. And also, we offer financing solutions to provide a borrower or sponsor with higher levels of leverage at a lower cost than common equity.

We originate business purpose loans collaterized by property types such as: Residential (non-homestead property), commercial properties, vacant land, office building, construction or remodeling.

  • Our experience is vast but we maintain a boutique feel to offer our clients the best in services, approachability and the best financial solutions.
  • We provide our own funding. Our goal is to close every time, on time!
  • We are not about a single transaction, we are about building long term successful partnerships

Property Geographic Area Details

State of Florida only

Loan Amounts

$250,000 to $25,000,000

Interest Rates

9.75% to 12%

Max Loan-To-Value

65.00%

Max Loan-To-Cost

60.00%

Origination Fees

1.5% to 2.0%

Loan Terms

6 months to 24 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

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Gas Station
  • Healthcare
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Rehabilitation Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Vehicle Parking

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Land Development
  • Condo Conversion
  • Note Purchase
  • Bankruptcy Resolution
  • Foreclosure Bailout
  • Residential Non-Prime

Land Loan

Description

We do business purpose loans on vacant land and are willing to analyze the location as the main variable and work with the borrower or sponsor to find those strategic funding solutions for the real estate project.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Covered Land

Will Consider Land That is NOT Entitled

yes

Max LTV for Land

50.00%

Max LTC for Land Acquisition

50.00%

Purchase Loan

Max Loan-To-Purchase Price

65.00%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Family

Construction Loan

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

65.00%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

no

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Interest Reserve

Pre Payment Penalty

yes

Amount varies deal by deal

Will lend to a foreign national

yes

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

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

yes

Borrower Entity Types Considered

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

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required

Never

Credit Check Required

yes

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Fees

Deposit Required

$1,000.00 to $50,000.00

Processing Fee

Legal Fee

Fees which are mandatory for all new borrower clients

  • Deposit
  • Processing Fee
  • Legal Fee
  • Appraisal Fee
  • Inspection Fee
  • Credit Report Fee
  • Background Check Fee
  • Extension Fee
  • Renewal Fee

Fees which are charged upfront prior to loan closing

  • Deposit
  • Due Diligence Fee
  • Legal Fee
  • Appraisal Fee
  • Credit Report Fee
  • Background Check Fee

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee
  • Environmental Report Fee

Miami-based private lender focused on investment purpose loans for the acquisition and development of residential, commercial and land projects. The company has a current servicing portfolio of over $200 million and has overseen more than 500 transactions for $400 million in Florida and Georgia including loan types such as: construction, refinance, acquisition, commercial and bridge loans.

Founded in 2015, LV Lending prides itself on its team’s approachability, fast closings and high level of transparency. To date, LV Lending has funded a wide variety of projects including: hotels, condos, ski resorts, multifamily, assisted living facilities, and vacant land, among others.

At LV Lending you will find a team willing to find the right strategic funding solution for your real estate investment!

LV Lending is an affiliate of Linkvest Capital, Linkvest Properties and LV Development.

License

NMLS ID 1291885

Company Size (Number of Employees)

26

Year Established

2015

Office Locations

LV Lending, LLC
175 SW 7TH Street, Suite 2101, Miami, Florida 33130

Primary Capital Source

  • Own Funds
  • Individual Investors
  • Family Offices
  • Bank Credit Line

Alternative Capital Sources

  • Friends & Family

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • One Investor One Loan
  • Multiple Investor Fractionalized Note
  • A/B Note Participation with Bank

Percentage of company’s lending business focused on private mortgage

100%

Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Luisa Restrepo

Senior Servicing Analyst

Ms. Restrepo is an international business professional with experience in business management, marketing, and customer relations. She joined the LV Lending team in 2017 and leads a variety of loan servicing functions in connection with commercial and residential consumer loans. To date, Ms. Restrepo has managed more than 200 property and general liability insurance policies, protecting over 100 borrowers’ and investors’ secured interests. She oversees the lending process from due diligence through to closing and works to ensure all loan servicing procedures adhere to LV Lending’s corporate policies.

License Information

Laura Restrepo

Audit and Risk Coordinator

Ms. Londono started at Linkvest Capital LLC as an intern in 2015, she developed her skills working on LV Lending internal audit process and risk analysis. In January 2017, Ms. Londono left to complete her Master of Science in Finance in FIU. She returned to Lv Lending in January 2018 as Audit and Risk Coordinator and started working in Linkpoint Properties as Operations Manager. As Audit and Risk coordinator she works auditing LV lending operations on a monthly basis and developing different tools to mitigate risk, and in Linkpoint Properties, Ms. Londono manages the day to day operations of the commercial real estate portfolio. Ms. Londono received her bachelor’s degree in international business with an emphasis on finance from Universidad EAFIT. She has obtained a Master’s degree of Science in Finance from Florida International University and is currently working on her Charted Financial Analyst designation.

Daniel Villegas

Junior Account Executive

Daniel Villegas is an international business professional who joined LV Lending as an intern in 2019. During his internship, Daniel supported borrower servicing and investor servicing activities. In 2020, he was hired as a junior account executive to fully support investor servicing and relationships.

Camilo Niño

CEO and Founder

Camilo is CEO and Founder of Linkvest Capital, a vertically integrated real estate firm with financing, acquisition, and development operations. He brings over 22 years of experience as an investment advisor, real estate investor, and private lender. Linkvest’s private lending arm, LV Lending, currently services a portfolio of over $200 million. Since founding the firm in 2013, Camilo has overseen close to 500 transactions for over $350 million in Florida and Georgia. He has represented some of the region’s most high-profile development projects, including the Triptych Hotel in Midtown Miami, Bijou Bay Harbour Condominium in Bay Harbour Islands, Miami Springs Town Center, and Soleste Alameda in West Miami, among others. Prior to launching Linkvest Capital, Camilo was an investment advisor with Akro Advisors Inc. and served as a real estate investor with Gamma Opportunities LLC, where he specialized in acquiring distressed residential real estate throughout Florida. Mr. Niño received his bachelor’s degree in finance and international affairs from Universidad Externado de Colombia. He obtained a post-graduate degree in Finance and International Businesses from Columbia University and Universidad Externado de Colombia; a certificate in Family Business Advising from the Family Firm Institute; a certificate in Financial and Estate Planning from Boston University; and received his designation as a Certified Investment Management Analyst from Wharton Business School. He is currently in the final year of the OPM (Owner President Management Program) at Harvard Business School.

Ricardo Uribe

Partner

Uribe brings 13 years of experience in the real estate industry to Linkvest Capital. He served as a reinsurance broker at Marsh & McLennan Companies for six years. In 2006, he obtained his Florida Real Estate License and founded Gamma Opportunities LLC., a company specializing in acquiring distressed residential real estate. In 2013, Uribe partnered with Camilo Niño and co-founded Linkvest Capital, a vertically integrated real estate firm with financing, acquisition, and development operations. Uribe has a bachelor's degree in Business Administration and Management from the University of Florida and is a licensed private lender in the State of Florida.

Jorge A. Uribe E.

Partner

Born in Medellín, Colombia, Mr. Uribe Echavarría is a recognized and respected entrepreneur and businessman, with more than five decades of professional experience. Mr. Uribe Echavarría earned a B.A degree in Economics at George Washington University in Washington D.C and studied International Markets at L´Université de Besançon in France. He has co-founded and/or lead as CEO of several companies. Among them are DeLima & Compañía, DeLima Marsh, El Mundo newspaper, Alianza Fiduciaria, and Alianza Valores, Datecsa, Domino´s Colombia and Brasil, Monarch Marketing Systems, Fábrica de Hielo Iglú, several automobile dealerships ( Mazda, Volkswagen, Fiat, BMW) J. Malluccelli-Travelers insurance. He has served as a member of the boards of directors of numerous corporations, such as DeLima & Compañía, DeLima Marsh, Alianza Fiduciaria & Valores, Colombian Institute of Social Security, Colombian Federation of Coffee Growers (Antioquia), Dinero Publications, Shellmar de Colombia, Ericsson de Colombia, Enka de Colombia, Cadenalco (“Ley” – retailer and supermarkets) Detecsa. Between 1981 and 2012 he served as Honorary Consul of Finland both in Bogotá and Medellín and between 2003 and 2005 was Minister of Defense of Colombia. Mr. Uribe Echavarría co-founded Linkvest Capital and is currently a senior advisor for Linkvest Capital Group, both in Colombia and in the U.S.A

Jorge A. Uribe T.

Partner

Based in Medellin, Colombia, Mr. Uribe Touri brings 29 years of experience in the insurance industry. He began his career as an insurance broker at Marsh & McLennan Companies. In 1991, he joined DeLima Marsh, where he served for 21 years holding various roles, including Managing Director of Corporate Relations, Institutional Segment Leader, and General Manager in the Bogotá office. He also worked on multiple lines such as property, casualty, aviation, marine, captives, international/local placement, complex claims handling, ERM, and consulting services. Mr. Uribe Touri co-founded Linkvest Capital. He serves on numerous boards of Directors, including Linkvest Capital, Negozia, Gallagher (AJG) Colombia subsidiary, and Pagafácil, among others. Mr. Uribe Touri earned a bachelor’s degree in Business Administration from the University of Colorado at Boulder.

Alen Hernandez

Commercial Director

Hernandez brings 17 years of experience in the capital/commercial real estate markets to Linkvest Capital. He began his career in the finance sector as a fixed income trader where he was in charge of managing and analyzing the U.S capital markets proprietary book of the firm. From there, he joined Marcus & Millichap Real Estate Investment Services as an Investment Associate, where he specialized in multi-family property sales in Miami-Dade and Broward County. He later joined Tiktin Real Estate Investment Services as the Senior Financial Analyst, where he was responsible for evaluating over $1 billion of commercial real estate assets and played an integral role in the sales of over $200 million in commercial real estate transactions. Those transactions included single-tenant retail, multi-tenant shopping centers, and industrial buildings nationally. As Commercial Director for LV Lending, Linkvest’s private lending arm, and Linkvest Properties, Linkvest’s real estate investment and management firm, Hernandez focuses on capital investments in small and middle-market companies, direct asset-based lending, and investments in commercial real estate.

Catalina Restrepo

Operations Manager

Mrs. Restrepo received her bachelor’s degree in Business Administration with an emphasis in finance from EAFIT University. Catalina began her career as a Trading Desk Assistant at Banco Occidente. However, she decided to move to Miami to work as an inside sale and later as a Sales Representative for three years in Eymaq Inc, an industrial equipment supplier specialized in the acquisition and provisioning of machinery. Deciding to move forward with her career, she earned a master’s degree in Finance, Real, and Marketing from Florida International University. Since joining LV Lending, she has served as an Operation Manager and the financial controller, is responsible for planning, direct, and coordinate the performance of the loan department, servicing process, and investor relationship. As well, she ensures quality control over financial transactions and financial reporting.

Alejandra Restrepo

Marketing Director

Alejandra Salazar has more than 10 years of experience in the wealth management market. She began her career at Akro Advisors Inc., a multifamily office based in Miami, FL. She later became a professor at Universidad EAFIT in Medellin, where she taught courses on international finance. In October 2014, Ms. Salazar joined Linkvest Capital, a private equity firm focused on capital investments in small- and middle-market companies, direct asset-based lending, and investments in commercial real estate, where she began managing a portfolio of promissory notes with which Linkvest started its Colombian division. In 2018, she was promoted to marketing director, responsible for executing the company’s communications strategy. Ms. Salazar received her bachelor’s degree in international business with a specialization in finance from Universidad EAFIT. She has also obtained postgraduate degrees in finance and customer relationship management.

Catalina Franco

Administrative and Human Resources Director

Catalina has 18 years of experience in the different aspects of Human Management in the organizational context. She graduated as a professional in Social Work and is a specialist in Human Talent Management, both from the Universidad Pontificia Bolivariana in Medellín. She is currently completing the specialization in Labor Law and Industrial Relations at the Externado de Colombia University. She is very passionate about her work and has lived it through her professional career, which has been developed leading the different Human Resources processes in the Beverage industry in which she worked for more than fifteen years and later in the Pharmaceutical sector for almost 3 years. Since last April, she joined the Linkvest team as Administrative and Talent Management Director, through which she is responsible not only for coordinating and executing internal administrative processes but also for structuring the Human Management and Culture processes of the organization as well as leading and fully developing the team.

Alexander Valdes

Loan Processor

Based in Miami, FL has 23 years of experience in the Mortgage and Banking industry. Alex began his career as a Senior Foreclosure Specialist in 1995 with Universal American Mortgage Company, a subsidiary of Lennar Homes Corporation later on 2001 he joined Bayview Asset Management an investment management firm focused on investments in mortgage credit, including whole loans, mortgage-backed securities, mortgage servicing rights, and mortgage-related assets, during his 16 years with Bayview Alex worked as a Senior Real Estate Funding Specialist, Senior Treasure Analyst and Special Loans Operation Specialist from there he later joined Ocean Bank on 2016 as Team Lead Residential Loan Servicing Specialist. In 2018, Alex joined the Linkvest Capital Team a private equity firm focused on Capital Investments in small and middle-companies, direct asset-based lending, and invests in Commercial Real Estate.

Camilo Restrepo

Servicing Coordinator

Mr. Restrepo started at Linkvest Capital as an intern in 2016 and has developed his skillset and professional career growing as part of the LV Lending team. During his internship, he coordinated the systematization of the firm’s portfolio and then worked remotely, reviewing transactions and running technology projects. In January 2019, Mr. Restrepo was promoted to Servicing Coordinator where he works to provide the firm’s borrowers with the finest client experience. Mr. Restrepo earned his bachelor’s degree in international business with an emphasis on finance from Eafit University and will be working towards a Master of Science in Finance starting in 2020.

Susana Escobar

Controller

Susana Escobar received a bachelor’s degree in international business and economics with an emphasis in finance from EAFIT University. She also obtained a master’s degree in financial administration from EAFIT University. Susana has more than 7 years of experience in companies that belong to the financial sector, such as Bancolombia, Suramericana S.A., and SBI Investment Bank, in roles related to corporate finance, treasury, back office, financial tendencies and strategy, and financial planning. She also has experience working as a financial advisor for families and small businesses. Susana joined the LV Lending team in 2020 as a controller. She strives to ensure quality control of financial transactions and information in different applications and financial reporting via accounting and bookkeeping.

Manuela Mejia

Marketing Coordinator

Manuela Mejía has more than 15 years of experience in marketing. She has a communications management degree with a specialization in marketing management. Manuela also has a post-graduate degree in customer psychology, management skills, and strategic communications. Throughout her years of experience, Manuela has had the privilege of teaching marketing fundamentals at Esumer. She has also worked in important global advertising agencies, such as DDB Worldwide and Cien Plus NYC. During her career as a marketing specialist, Manuela has worked with major companies in the automotive, financial, pharmaceutical, and food sectors.

Jennifer Becker

Public Relations

Jennifer Becker has 15 years of experience in media relations. As Principal of BKR Media, a full-service public relations firm founded in 2009, she has worked closely with the “who’s who” of real estate, comprising high-profile developers, architects, sales and marketing agencies, leasing teams, project management companies and private equity groups. Her impressive resume also includes posts at Good Morning America and the formidable Rubenstein Public Relations in New York City. She served as Senior Account Executive and Company Director at The Apple Organization, the preeminent real estate-based PR firm in South Florida, where she oversaw account management for a diverse portfolio of clientele comprising residential, commercial, and mixed-use projects from Miami to Orlando. The consummate networker, Jennifer is actively involved in various charitable causes and professional associations including board positions on the Las Olas Wine & Food Festival, Gilda’s Club South Florida, American Cancer Society of Broward, Joe DiMaggio Children’s Hospital Foundation, Glam-A-Thon and Hochberg Preparatory School. She is an active member of the Greater Fort Lauderdale Chamber of Commerce, Las Olas Association and Greater Fort Lauderdale Alliance. Jennifer graduated from the University of Connecticut with a degree in Communications Sciences.

Completed Transactions

LV Lending

Private Loan Funding
ORLANDO , FL
$4,500,000
Mixed-Use

Purchase

LV Lending

Private Loan Funding
DAVENPORT, FL
$2,370,000
Hotel

Refinance

LV Lending

Private Loan Funding
Dania Beach, FL
$4,900,000
Marina

Refinance

LV Lending

Private Loan Funding
Miami, FL
$4,620,000
Residential Land

Refinance

LV Lending

Private Loan Funding
Hialeah, FL
$11,500,000
Hotel

Purchase

LV Lending

Private Loan Funding
Cape Canaveral, FL
$4,215,000
Assisted Living Facility

Refinance

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

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

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

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

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

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

$
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$
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how will the loan be paid off?

acres

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