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%
Loan Terms
6 months to 24 months
Origination Fees
1.5% to 2.0%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease
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

Bridge Loans: Residential (non-homestead property), commercial properties, vacant land, office building, construction or remodeling

Preferred Equity: Construction and land development

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

  • Commercial Bridge
  • Commercial Property Value Add
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

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

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%

Max LTC for Land Acquisition

50%

Max Loan-to-Purchase Price

65%

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

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

no

Max LTC for Renovation Costs

0%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

65%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

no

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 paid to a third party company

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

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

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

Get In Touch

LV Lending 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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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

Our Team

Luisa Restrepo

Senior Servicing Analyst

Laura Restrepo

Audit and Risk Coordinator

Daniel Villegas

Junior Account Executive

Camilo Niño

CEO and Founder

Ricardo Uribe

Partner

Jorge A. Uribe E.

Partner

Jorge A. Uribe T.

Partner

Alen Hernandez

Commercial Director

Catalina Restrepo

Operations Manager

Alejandra Restrepo

Marketing Director

Catalina Franco

Administrative and Human Resources Director

Alexander Valdes

Loan Processor

Camilo Restrepo

Servicing Coordinator

Susana Escobar

Controller

Manuela Mejia

Marketing Coordinator

Jennifer Becker

Public Relations

Funded Deals

Get In Touch

LV Lending 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

$250,000

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