About Us2021-11-23T17:30:44-05:00



Sometimes it’s hard to believe we’ve been investing in real estate for over 20 years!

My wife Tracy and I met while I was working on our first home, and our courtship was spent fixing up the house together. Over 20 years later, we’ve renovated an absolute ton of houses, and we still enjoy every part of it! We’ve raised our daughter McKenna in this business, and our employees have become part of our family.

We started buying rentals in 2009 so we could survive the real estate bust. Then in 2011, we started lending money to builders and flippers. Lending has grown into one of our favorite facets of real estate investing – we get to enjoy the excitement of investing, and we treasure the time we get to spend helping and guiding investors or builders through the process of real estate investing.


We have done many different kinds of real estate investing. We’ve done land investments, we’ve flipped and built approximately 600 homes, we’ve done approximately 300 home renovations for clients, and we’ve owned a few hundred rental units at different times. However, these days we spend most of our time on our lending business and thoroughly enjoy coaching real estate investors through all the different elements of investing.

Average Client ROI
Loans Closed Within 7 Days
Repeat Client Rate
Homes Built, Flipped, and Renovated


I’m originally from a small town in Illinois, but I’ve lived in Central Florida for over 25 years and consider it my home. My wife and I have been married for 20 years, and have an amazing daughter we’re so proud of.

I attended several colleges, but graduated from St. Leo University. Although I’ve done real estate investing for over 20 years now, it seems like I’ve held nearly every job under the sun at one time or another; I’ve worked on a Cheez Whiz manufacturing line, and I’ve worked as a bingo caller. I’ve been a painter, a carpenter, a waiter, a bartender, and everything in between! I’m happy to say I’ve found my calling – I’m now a Certified Building Contractor and a private real estate lender.

Our family has a lot of hobbies we enjoy together, including traveling, fishing, scuba diving, and fitness workouts.


What are the best ways to choose a private lender?2019-09-25T16:58:52-05:00

We actually answered this question in great detail on our blog, so please check out this blog post, titled “How To Choose the Best Private Lender for Hard Money Funding”!

What geographic areas/regions do you lend in?2019-09-30T14:28:27-05:00

Our office is located in Orlando Florida, and we focus on serving the Central Florida area, specifically Orange County, Seminole County, Volusia County, Brevard County, Lake County, Osceola County, Polk County, and Marion County. However, we will consider loans outside of these areas.

Do you have any restrictions on the types of investment properties you will loan on?2019-09-30T14:29:34-05:00

No. We will lend on any real estate.

Do your loans have any junk fees or hidden costs?2019-10-18T14:18:53-05:00

We have absolutely no junk fees or hidden costs. The only fee we charge is a loan origination fee, which is 2% of the loan amount for property flips/cash outs, or 4% of the loan amount on loans for new construction and land/developments.

Our primary goal is for property investors to borrow from us again and again, so shady lending practices are NOT in our best interest! We pride ourselves on clarity, transparency, and communication, so you will never encounter “hidden” costs when working with us. We always provide breakdown of all loan costs, known as a “good faith estimate” after your loan request is approved, so you will always be fully informed.

How fast can you provide funding?2019-09-30T14:36:22-05:00

Thanks to our streamlined process and extensive transaction experience, we regularly close loans in as little as 7 days. Keep in mind that there is always the possibility for closings to be delayed, however this is almost never within our control. Typical closing delays are caused by title issues that need to be cleared up, but there are some other issues or circumstances that can cause closing delays as well.

How long does it take you to respond to a new loan application?2019-09-30T14:38:09-05:00

We typically respond to a new loan application either the same day or the following day. It is always our goal to get a preliminary loan commitment to you within 48 hours of when you initially made contact with us, but sometimes this is delayed because we are waiting on documents.

Can you provide a letter that I can present to the property seller that ensures them I have the necessary funding?2019-09-30T14:40:32-05:00

Yes! This is called a “proof of funds” letter, and we can create one for you upon request. We typically provide this to you the same day, but certainly within 24 hours of request.

Can you recommend laborers, craftsmen, service providers, etc?2019-09-21T21:59:24-05:00

One of the best things about our wealth of experience in Central Florida is that we’ve come to know the local tradesmen, craftsmen, service providers, contractors, and skilled companies quite well, and we’re happy to provide referrals to you for your project.

Do you offer referrals to brokers and/or other industry professionals?2019-09-21T21:25:26-05:00

Absolutely! We work with:

  • Property wholesalers
  • Real estate brokers
  • Realtors
  • Mortgage brokers
  • Loan originators
  • Lenders
  • Attorneys
  • Title companies
  • …and more!

Our lending programs afford us the opportunity to compensate partnered real estate professionals for referring borrowers to us. We’d love for you and your clients to experience our streamlined process! Click here to get started.

I am a Broker (or other professional). How do I start a referral partnership with you?2019-09-25T19:06:39-05:00

Brokering deals with us is easy: simply click here to register using our online sign-up form, then click here to send a deal our way. We will do everything we can to help you quickly close transactions, and afterwards, we will continue to help your clients’ investments be successful.

If you have any questions, feel free to reach out to us. If you’re ready to start earning money by partnering with us, click here to register today.

Join the satisfied customers who choose to work with
Murphy Developments & Funding!


“We build entry level spec homes in Volusia county.  We worked with one of they online lenders before finding Murphy Developments.  What a change!  The online lender charged all kinds to sneaky interest and sneaky fees.  It was a disaster to get a draw from the online Lender.  Murphy Developments makes the entire process easy.  They get you a loan commitment in one day.  We email pictures of the build and permit card to get draws paid.  I call or text the owner with questions or asking for trade references and he always responds.  We are big fans of Murphy Developments!”

Tim Wilkerson, Palm Investments

“Jeff has financed several high-end spec homes in Winter Park and a restaurant in Orlando.  Not only is he our go to lender, but I consider him a trusted resource and friend.  As  a lender he is the best – he’ll get you a commitment in a day and always does what he says.  Because he is builder he understands the process and headaches you can run into.  He will call his contacts at the city trying to get your plans approved, refer you trades, and generally do whatever he can to help.  Another amazing thing is that Jeff sends me leads on lots on a regular basis.”

Larry Williams, Austin Homes

“I have worked with Mr. Murphy for 15 years.  I have sold him houses; borrowed money; and referred borrowers to him.  He always does what he says he is going to do.  He is one of my favorite people to work with.”

Anthony Kusky, New Begginngz Real Estate

“I have borrowed money from Jeff and brokered several deals to him.  He is my favorite hard money lender to work with.  He is creative and understands title better than most attorneys.  Last year, I got a deal that another lender couldn’t close because a so-called title issue.  While I was on the phone Jeff researched the issue and said it was  a non-issue.  Jeff gave a commitment and we closed in a week.”

Robin T., The Loan Guy

“I have borrowed money, partnered and sold Murphy Developments houses.  They know real estate – They are creative on figuring out deals – They are honest.  I hope to work with them for a long time.  They not only provide the capital, but they are an excellent resource on a property.”

Robert Crager, PR Consultants

“I have borrowed money from Murphy Developments.  They are easy to work with and close quickly.  I have also become friends with the owner and consider him a good friend.  He reaches out to me on a regular basis to discuss deals and offer insights.  I think his organization is amazing and I hope to be friends and do lots of deals together.”

Pete Leerdam, Leerdam Properties