Private Portfolio Loans in South Florida
Private portfolio lending for investors, builders, and borrowers who don’t qualify for traditional bank financing. We lend on the asset itself — no income verification, faster closings, and flexible terms from $50,000 to $1,000,000.
Private Portfolio Loan Programs
Our private portfolio loans cover a wide range of property types and loan purposes — residential investment, commercial, and construction.
Residential Investment
Single family, duplex, triplex, and fourplex investment properties. Purchase, refinance, or cash-out — no income docs needed.
Commercial Properties
Warehouses, offices, retail, churches, schools, funeral homes, mixed-use and special-use commercial properties.
Construction Loans
Ground-up construction for residential and commercial projects. Private portfolio financing with flexible draw schedules.
Bridge Loans
Short-term bridge financing to close quickly while securing permanent financing. Asset-based, fast approval.
DSCR & Bank Statement
Qualify using the property’s rental income or your bank statements instead of traditional tax returns and W-2s.
Fix & Flip
Private portfolio financing for fix and flip investors. Fast close, flexible terms, asset-based approval based on ARV.
Who Benefits From Private Portfolio Lending
If a traditional bank has said no — or if you simply need more flexibility and speed — private portfolio lending may be the right solution.
Real Estate Investors
Investors who need to close fast, have multiple properties, or don’t qualify for conventional financing due to income structure.
Builders & Developers
Builders and developers who need construction financing without the lengthy approval process of a traditional bank.
Non-Traditional Borrowers
Self-employed borrowers, foreign nationals, and those with complex income who don’t fit the standard bank loan mold.
Why Borrowers Choose SFQMC Private Portfolio
We are the direct lender — we make our own decisions, fund our own loans, and service every loan we close.
No Income Verification
We lend on the asset itself — the property value and equity are the primary factors. No tax returns, no W-2s, no pay stubs required.
Faster Closings Than Traditional Banks
Because we make our own decisions in-house, we close significantly faster than traditional banks — critical when timing matters on a deal.
We Are the Direct Lender
No bank middleman. We underwrite, approve, and fund in-house — giving you faster decisions and certainty of close on your timeline.
We Service Every Loan We Close
From day one to your final payment you deal with us directly — no surprise transfers to unknown servicers mid-loan.
23 Years in South Florida
We know this market, these property values, and these deal structures. Local experience means fewer surprises and smoother closings.
Flexible Loan Programs
Residential investment, commercial, construction, bridge loans — we have programs across all property types from $50,000 to $1,000,000.
From application to funding
Our private portfolio process is streamlined for speed — no unnecessary paperwork, no bank committee delays.
Apply or Call
Fill out our short form or call us. We respond same day — usually within the hour.
Asset Review
We evaluate the property value, equity position, and deal structure — no income docs required.
In-House Approval
Our team makes the decision in-house — faster than any bank committee process.
Fund & Close
We fund and service the loan ourselves. You deal with us from closing to payoff.
Private Portfolio Loan FAQs
Answers to the questions we hear most often from investors and borrowers.
Ready to Get Funded?
Call us or apply online — we respond same day, usually within the hour.
No obligation. No credit pull.