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Investment property loans · Palm Beach County, FL

Hard money, fix and flip and DSCR loans in West Palm Beach, FL

In West Palm Beach, much investor activity centers on the 1920s neighborhoods around downtown, where Mission, Mediterranean Revival and Craftsman houses can be restored for resale or kept as long-term rentals. Others buy small multifamily close to downtown or condo units, where the building's inspection and reserve history matter as much as the unit itself.

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Where investors buy

Neighborhoods investors look at in West Palm Beach

Much of the older stock dates from about 1910 to the 1930s: Craftsman bungalows in Grandview Heights, Mission and Mediterranean Revival homes in Flamingo Park, El Cid and Prospect Park, and frame vernacular houses in Old Northwood, with postwar homes in Northwood Hills.
Flamingo ParkA historic district of several hundred buildings near downtown, built mostly in the 1920s, with Mission houses dominating and Mediterranean Revival homes along the ridge.
Grandview HeightsBuilt from about 1910 to 1925 and known for early Craftsman bungalows alongside smaller Mediterranean Revival houses.
El CidA 1920s boom-era neighborhood of Mediterranean Revival and Mission-style homes.
Old NorthwoodDeveloped between 1920 and 1927 with a mix of Mediterranean Revival, Mission and frame vernacular houses.
Northwood HillsMission Revival houses plus a sizable group of post-World War II homes on an unusual street layout.
Prospect ParkBuilt from 1920 to 1935 with a heavy concentration of Mediterranean Revival and Mission Revival houses.

Loan programs

Loans for West Palm Beach real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in West Palm Beach

30-year loans for West Palm Beach rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in West Palm Beach

Buy and renovate in West Palm Beach with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in West Palm Beach

Close quickly on a West Palm Beach property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in West Palm Beach

Financing for new builds in West Palm Beach, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in West Palm Beach

Financing for West Palm Beach apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in West Palm Beach

Local rules and costs that change a deal's numbers or closing date in West Palm Beach and Palm Beach County. Sources are listed at the bottom of the page.
  • Budget for Florida's documentary stamp tax on the deed, 70 cents per $100 of the price in Palm Beach County.
  • If the house is in a FEMA Special Flood Hazard Area, check whether the rehab budget reaches 50% of the structure's market value (land excluded). At that point the building generally has to meet flood rules for new construction, which can mean elevating it.
  • Before buying a unit in a condo building of three or more habitable stories, ask for the milestone inspection (due 30 years after the certificate of occupancy, or 25 if the local agency sets it, then every 10 years) and the structural integrity reserve study.
  • If the policy will come from Citizens, plan for a required flood policy: Citizens home policies that include wind coverage already need one in high-risk flood zones or at a dwelling value of $400,000 or more, and all of them will from January 1, 2027. Condo unit-owner and renter policies are exempt.

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Have a West Palm Beach property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in West Palm Beach: common questions

Do you offer hard money loans in West Palm Beach?

Yes. United Lending LLC offers private real estate financing for investors in West Palm Beach and the rest of Palm Beach County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in West Palm Beach?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Flamingo Park, Grandview Heights and El Cid, among other parts of West Palm Beach.

How much can I borrow for a West Palm Beach flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in West Palm Beach?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in West Palm Beach or have a Florida LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Florida, your loan officer will tell you what's needed before closing.

Florida

More places we lend in Florida

Sources (5)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. Fla. Admin. Code R. 12B-4.012: documentary stamp tax rate
  2. FEMA: substantial improvement and substantial damage
  3. Florida DBPR: condominium milestone inspections and SIRS
  4. Citizens Property Insurance: flood insurance requirement
  5. Wikipedia: West Palm Beach historic neighborhoods