Funding
Hard Money Loan Programs
Our Lending Options
Murphy Developments & Funding is a direct private money lender specializing in short-term real estate investment loans throughout Central Florida. We offer fast approvals, flexible terms, and competitive rates — with no middlemen, no hidden fees, and no bureaucratic delays.
Whether you're flipping houses, building new construction, or bridging a gap between transactions, we have a loan program designed for your needs.
Loan Programs
Fix & Flip Loans
Short-term financing for investors who purchase distressed properties, renovate them, and sell for a profit. Fast closings, flexible terms, and funding for both acquisition and rehab costs.
Rate
Starting at 10%
Term
6–12 months
Max LTV
Up to 70% ARV
New Construction Loans
Ground-up construction financing for residential and small commercial projects. We fund spec homes, custom builds, and infill development projects throughout Central Florida.
Rate
Starting at 10%
Term
12–18 months
Max LTV
Up to 65% LTC
Rehab Loans
Renovation financing for investors improving rental properties or distressed assets. Funds cover purchase and renovation costs with draws released as work is completed.
Rate
Starting at 10%
Term
6–12 months
Max LTV
Up to 70% ARV
Bridge Loans
Short-term capital to bridge the gap between transactions. Ideal for investors who need to move quickly on a deal before their existing property sells or long-term financing is arranged.
Rate
Starting at 10%
Term
3–12 months
Max LTV
Up to 65% LTV
Ready to fund your next real estate investment?
Apply Now — Get a Commitment in 24 HoursLoan Process & Requirements
Submit Application
Complete our simple loan application online or by phone. We only need basic information to get started — no lengthy paperwork upfront.
Same-Day Review
We review your application and the property details the same day. In most cases we can provide a loan commitment within 24 hours.
Property Evaluation
We evaluate the property value and your investment plan. Our team has deep local market knowledge to assess deals quickly and accurately.
Fast Closing
Once approved, we move quickly to close. Many deals close within days, not weeks, so you never miss a time-sensitive investment opportunity.
Document Requirements
Our standard document requirement is very simple. This is all that's required for us to provide you with a loan commitment:
- Completed loan application
- Credit authorization
- Executed purchase contract
- Proof of funds for down payment
- Two years of tax returns
- Copy of government-issued ID
We may require additional documents before closing, but the above is all that's needed for a loan commitment.
What Our Borrowers Say
"We build entry level spec homes in Volusia county. We worked with one of the online lenders before finding Murphy Developments. What a change! Murphy Developments makes the entire process easy. They get you a loan commitment in one day."
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. He'll get you a commitment in a day and always does what he says."
Larry Williams
Austin Homes
Fast. Flexible. Funded.
Get a loan commitment in as little as 24 hours. Don't let slow financing cost you your next deal.