Private Portfolio Loans — South Florida Quality Mortgage
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Asset-Based — No Income Verification

Private Portfolio Loans in South Florida

Hard & private money lending for investors and borrowers who need speed and flexibility. We lend on the asset — no income docs, fast closings.

✓ Licensed Direct Lender & Broker✓ NMLS #376794✓ 25+ Years in South Florida
$50K–$1.5MLoan range
NoIncome verification
FastAsset-based approval
Apply Now — It's Free Call 954-455-7625

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Same-day response — no obligation, no credit pull.

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No obligation. No credit pull. NMLS #376794

$50K+Minimum loan
$1.5MMaximum loan
NoIncome verification
FastAsset-based approval
What We Finance
Private Portfolio Loan Programs

We lend on the asset — not your income. Residential, commercial, construction, and more.

Residential Investment

Single family, duplex, triplex & fourplex investment properties. Purchase, refinance, or cash-out — no income docs needed.

Commercial Properties

Warehouses, offices, retail, churches, schools, funeral homes & special-use properties throughout South Florida.

Construction Loans

Ground-up construction for residential and commercial projects with flexible draw schedules.

Cash-Out Refinance

Pull equity out of an investment or business-purpose property to fund your next project. Fast asset-based approval.

DSCR & Bank Statement

Qualify using the property's rental income or your bank statements — no tax returns or W-2s required.

Fix & Flip

Fast close, flexible terms, asset-based approval based on after-repair value (ARV).

Typical Loan Terms

Private portfolio loans for investment & business-purpose properties

Interest rateStarting at 12.5% (varies by deal)
TermTypically 2–3 years; can be customized depending on the deal
PaymentsInterest-only or 30-year amortized
Loan amounts$50,000 – $1,500,000
Prepayment penaltyMay apply, depending on the deal
Property typesInvestment & business-purpose only (no owner-occupied)

The rate shown could change or may not be available at commitment or closing. A higher rate or points could be required. Points and fees vary by deal and are disclosed in writing before closing. Terms shown are typical and not a commitment to lend. Actual rate, term, points and fees depend on the property, borrower and loan structure, and are subject to credit and property approval. South Florida Quality Mortgage Corp., 12781 Miramar Pkwy #303, Miramar, FL 33027. NMLS #376794.

How It Works
From Application to Funding

Streamlined for speed — no unnecessary paperwork, no bank committee delays.

1

Apply or Call

Fill out our form or call us. Same-day response — usually within the hour.

2

Asset Review

We evaluate the property value and equity — no income docs required.

3

In-House Approval

Our team makes the decision in-house — faster than any bank committee.

4

Fund & Close

We fund and service the loan ourselves from closing to payoff.

Why Choose Us
Why Borrowers Choose SFQMC

Direct lender, direct decisions. 25 years in South Florida.

No Income Verification

We lend on the asset — property value and equity are the primary factors.

Faster Than Banks

In-house decisions mean we close significantly faster than traditional banks.

Direct Lender

We underwrite, approve, and fund in-house — no middleman, no delays.

We Service Our Loans

You deal with us from closing to payoff — no surprise transfers.

Common Questions
FAQs
What is a private portfolio loan?
A loan funded and held by a private lender — us — rather than sold to Fannie Mae or Freddie Mac. We set our own guidelines and offer more flexibility than conventional lenders.
Do I need to show income to qualify?
No — our loans are asset-based. We focus on property value and equity rather than personal income documentation. Ideal for self-employed borrowers, investors, and those with non-traditional income.
What property types do you lend on?
Residential investment properties, all commercial property types including churches, warehouses, schools and funeral homes, and construction projects — both residential and commercial.
How fast can you close?
Significantly faster than traditional banks since we underwrite and approve in-house. Call us at (954) 455-7625 / (954) 455-7601 to discuss your specific timeline.
What are your loan amounts?
$50,000 to $1,500,000 for properties throughout Florida.

Ready to Get Funded?

Same-day response. No obligation. No credit pull.

Call (954) 455-7625 / (954) 455-7601 Apply Online
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