Capital structured around how real estate gets done.
Asset-based loans for Florida real estate investors. Each program is purpose-built — terms, rates, and structures match the actual deal.
One flat fee on every program: $995
Covers processing, legal, document preparation, and desktop appraisal. Paid at closing.
Fix & Flip
Acquisition + rehab capital for investors flipping single-family and small multifamily properties.
Terms
- Loan Amount
- $75,000 – $2,000,000
- LTV
- Up to 90% of purchase
- Rehab
- Up to 100% of rehab budget
- ARV Cap
- 70% of After Repair Value
- Term
- 12 months, interest-only
- Rates
- From 9.99%
- Origination
- 1.5 points
- Flat Fee
- $995 at closing
- Time to Close
- 7–10 business days
Highlights
- ✓No tax returns or income verification
- ✓Funds for purchase + rehab in one loan
- ✓Draw schedule structured to your scope
- ✓No prepay penalty after month 6
Residential Investment
Bridge and short-term financing on non-owner-occupied 1–4 unit residential investment properties.
Terms
- Loan Amount
- $75,000 – $1,500,000
- LTV
- Up to 75% of value
- Term
- 12 – 24 months
- Rates
- From 9.99%
- Origination
- 1.5 points
- Flat Fee
- $995 at closing
- Time to Close
- 7–10 business days
Highlights
- ✓Single-family, duplex, triplex, fourplex
- ✓Bridge to refi, hold, or resale
- ✓Asset-based underwriting
- ✓Cross-collateralization available
Commercial
Bridge and acquisition financing on mixed-use, retail, office, light industrial, and 5+ unit multifamily properties.
Terms
- Loan Amount
- $250,000 – $5,000,000
- LTV
- Up to 70% of value
- Term
- 12 – 36 months
- Rates
- From 10.5%
- Origination
- 2–4 points
- Flat Fee
- $995 at closing
- Time to Close
- 10–21 business days
Highlights
- ✓Mixed-use, retail, office, light industrial
- ✓Multifamily 5+ units
- ✓Sponsor experience required
- ✓Florida properties only
New Construction
Ground-up construction capital for residential infill and small commercial development.
Terms
- Loan Amount
- $200,000 – $3,000,000
- LTC
- Up to 85% of total cost
- LTV (ARV)
- Up to 70% of completed value
- Term
- 12 – 18 months
- Rates
- From 10.5%
- Origination
- 1.5 points
- Flat Fee
- $995 at closing
- Time to Close
- 14–21 business days
Highlights
- ✓Single-family infill, townhomes, small commercial
- ✓Permit-ready required at closing
- ✓Draws on inspection
- ✓Florida properties only
The $995 flat fee — what it actually covers
Most hard money lenders quote a low rate and bury the real cost in itemized closing fees. We do the opposite. One number, paid once, at closing.
| Fee | Other Lenders | Red Fox Funding |
|---|---|---|
| Processing fee | $350 – $750 | Included |
| Legal fee | $500 – $1,500 | Included |
| Document prep | $150 – $400 | Included |
| Desktop appraisal | $250 – $600 | Included |
| Total | $1,250 – $3,250 | $995 |