we know private money lending

frequently asked questions

Smart, savvy investors know that non-conventional loans are a huge advantage in a competitive industry and are certainly worth it for the right investment property, and with the right funding partner behind the project. Private lending is our passion and we’re here to answer your questions and achieve your real estate investment goals.

Yes. While investors don’t have to be Florida residents themselves, the real estate project itself DOES have to be located in Florida for us to consider funding it.

We are local experts who understand the “Sunshine State” and know the Florida real estate market better than anyone. As a trusted, licensed, well-capitalized and well-connected local lender with the proven ability to help fund your loan quickly anywhere in Florida, we focus solely on hard money private real estate loans and have successfully funded hundreds of real estate investment projects throughout the state including:

  • Florida Cities:
  • Florida Counties:
    • Broward
    • Miami-Dade
    • Palm Beach
    • St. Johns
    • Monroe
    • Indian River
    • St. Lucie
    • Martin
    • Osceola
    • Duval
    • Collier
    • Sarasota
    • Seminole
    • Lee
    • Nassau
    • Pinellas
    • Okaloosa
    • Manatee
    • Walton
    • Brevard
    • Hillsborough
  • Florida Regions:
    • South Florida
    • Southeast Florida
    • Southwest Florida
    • Northwest Florida
    • North Central Florida
    • Northeast Florida
    • Central West Florida
    • Central Florida
    • Central East Florida
    • Emerald Coast
    • First Coast
    • Nature Coast
    • Space Coast
    • Treasure Coast
    • Gulf Coast
    • Florida Keys
    • Florida Panhandle
    • Florida Suncoast

Hard money loans provide investors like you with the quick capital that is needed to purchase, refurbish or stabilize investment properties. Our loan process is easy and efficient: 

  1. Connect with us and someone from our team will reach out to you to better understand your needs, answer any questions, and discuss your options. 
  2. Next, you’ll complete our hard money loan application including the address of the property and the requested loan amount. 
  3. We will look it over and get back to you within 24 hours indicating our interest and terms. 4. Once qualified, we will agree on terms and requirements and gather all the proper documents (i.e. property title, insurance, appraisal, etc.) 
  4. Then, we go make rapid funding a reality! Every deal is a little different, but typically, you can expect to receive the funds in 10-14 days.

The terms of our hard money loans for real estate investment are usually up to 24 months, depending on your individual needs. In some instances, the terms can be extended, but this is on a case by case basis and may result in increased costs or a higher interest rate.

Interest rates vary among private real estate lenders and, since each deal is unique, can be influenced by many factors including the individual needs of the client, property type, loan to value, property location, cash flow, duration of the loan, etc. 

The market changes every day, and so do the rates from Community Capital Holdings. But you will always be assured the most attractive rates possible from us, typically starting at 9% – 10%, but changing daily.

Though higher than traditional financing from banks, this is still an attractive offer for investors that need to close quickly. And, it is still much cheaper than giving up equity.

Contact Community Capital today for the most current rates on our hard money loans, bridge loans and beyond.

No. Since the loan is backed by the real property itself, we tend to look more closely at the value of the property. That said, it is imperative to disclose any past bankruptcies, foreclosures, charge-offs, collections or anything that could affect a deal.

60% of the value of the property or purchase price – whichever is lower. We do require property appraisals and will also do our own assessment of the property using an income and sales approach to accurately determine its value. 

Based on the real property value that Community Capital Holdings determines, we take a maximum of 60%; for example if we placed the value on a property of $1 million, the maximum amount of the loan would be $600,000.

Yes! Not only do we lend to foreign investors, but it’s one of the things Community Capital Holdings does best. 

In fact, we’ve closed millions of dollars worth of real estate investment deals with non-resident partners, international investors, and foreign national borrowers from South America, Mexico, the Caribbean, Central America, Europe and Asia. 

Community Capital has a variety of real estate loan options that allow qualified foreign investors to make quick decisions without the “red tape” and restrictions from conventional banks. We help foreign nationals secure funding simply in a straightforward way and still take advantage of opportunities without the same documentation required by traditional loans.

Yes, Community Capital Holdings focuses solely on hard money private real estate lending and is a direct lender that fully underwrites, funds and services its own loans. 

We do it all in-house. We are relationship builders and get to know each of our borrowers personally. We enjoy interacting with you as much or as little as you desire, and try to make the qualification, payment and reporting process as simple, straightforward and seamless as possible. 

With considerable commercial banking and lending expertise, local market experience, and a proven success rate for quickly closing private real estate loans, we have helped thousands of borrowers reach their business goals and have built incredible relationships with our clients along the way.

In real estate, timing is everything – and having a well-capitalized partner like us is key. For these reasons, we are Florida’s premier choice for real estate investors.

We are Florida’s premier provider of private real estate loans and focus solely on hard money lending. 

We’re proven, professional and are a true partner who’s readily available to help turn your plan into action. But here are some more reasons to choose the team at Community Capital as your local alternative lender: 

  • Unmatched local knowledge and expertise 
  • Industry and market connections 
  • Entrepreneurial-minded 
  • Consultative, client-centric approach 
  • Quick-decisions and nimbleness 
  • Well-capitalized 
  • Over 150 years of combined experience 
  • Preferred by Foreign Nationals 
  • Broker-friendly 
  • Competitive loan terms 
  • Proven track record of success 
  • Headquartered in South Florida 
  • Variety of loan options to help with any funding need

While homesteaded primary residences are not eligible, Community Capital Holdings provides a variety of loans for all types of commercial real estate properties, rentals and investments (non-owner occupied), and various construction projects, including: 

Property Types: 

  • Commercial 
  • Office 
  • Retail 
  • Single-Family Homes (Investment only) 
  • Multi-Family 
  • Townhouses 
  • Condos 
  • Apartment Complexes 
  • Special-Use Properties 
  • Industrial / Warehouse 
  • Mixed-Use 
  • Medical Office-Condo
  • Construction 


  • Hard Money 
  • Bridge 
  • Construction 
  • Loans for Foreign Nationals
  • Purchases 
  • Refinance 
  • Cash-Out 
  • Fast-Cash 
  • Short-Term 
  • Investment Rehab (“Fix and Flip”)
  • Non-QM

not finding an answer to your real estate question?

Contact us at [email protected] or click the button to use our contact form to discuss your specific real estate investment opportunity.