Real estate financing for business entities in Florida

Fix and flip loans

The fix and flip program finances the purchase and renovation of a property that a business entity intends to resell. Terms run 12 to 24 months, interest only, which keeps the monthly carry low while work is under way. Leverage reaches up to 90% of the purchase price and 100% of the renovation budget, with renovation funds released in draws after inspection. The loan is sized on the purchase, the scope of work and the resale value the plan supports.

A complete file will generally include the entity documents, the purchase contract, the renovation budget and a resale analysis. Once the file is complete, closing typically takes 48 hours to 14 business days. The program suits investors who buy, renovate and sell within a defined window and who want the renovation capital committed at closing rather than raised along the way. Details are on the dedicated fix and flip page.

• 12 to 24 months, interest only
• Up to 90% of purchase and 100% of renovation
• Renovation funds released in draws after inspection
• Collateral anywhere in Florida

DSCR rental loans

The DSCR rental program finances income property held by a business entity for the long term. Qualification rests on the property's rental cash flow measured against the debt service, not on the borrower's tax returns. That structure fits investors whose personal returns understate their real capacity, holders of several properties, and foreign nationals operating through a US entity. The property carries the loan; the file documents the rent it produces.

A DSCR loan is also the natural exit from a fix and flip when the entity decides to keep the renovated property as a rental rather than sell it. Reissers Capital reviews the lease or the market rent, the operating expenses and the entity structure, and can issue a preliminary term sheet within one hour during business hours. The dedicated DSCR page sets out the program in full.

Ground-up construction financing

Ground-up construction finances a business entity that builds on land it owns or is acquiring, from site work to completion. The loan is structured around the construction budget, the schedule and the intended exit, whether a sale or a refinance into a rental loan. Reissers Capital reads the budget, the contractor and that exit before issuing terms, and the term sheet it issues is preliminary. Collateral can sit anywhere in Florida.

Construction loans sit within the real estate range of $50,000 to $5,000,000 and follow the same path as the other programs: a consultation, a preliminary term sheet in one hour during business hours, then underwriting on a complete file. Bring the site, the plans, the budget and the intended exit. The term sheet is preliminary and non-binding, and every loan remains subject to underwriting and approval.

How leverage and draws work

Leverage is expressed against two bases: the purchase price and the renovation budget. On fix and flip, the loan can cover up to 90% of the purchase and 100% of the renovation. The purchase portion funds at closing. The renovation portion is held back and released in draws: the entity completes a stage of work, an inspection confirms it, and the corresponding funds are disbursed. The entity draws one stage at a time rather than the whole budget up front.

On fix and flip the loan is interest only for its 12 to 24 month term, which keeps the monthly carry contained while the property is being improved. The draw schedule is aligned with the scope of work agreed at closing. The mechanism serves both sides: the lender sees the property progress before each release, and the entity is not asked to front the whole renovation budget before the first draw.

Who qualifies for these programs

Reissers Capital lends to business entities only: LLCs, corporations and comparable structures that hold the property for a business purpose. It does not make consumer loans and does not finance owner-occupied residences. Within that frame the programs are broad. Foreign nationals are welcome through a US entity, and no US credit history is required on asset-based programs. At consultation stage only a soft credit pull is made, which never affects a score, and no upfront fees are charged to applicants, ever.

What the firm underwrites is the asset and the plan: the property, its value after work or its rental income, the budget, the exit and the entity behind it. David Hazout Levy, the founder and principal, built and exited operating companies across four countries before Reissers and reads a borrower's plan the way an operator reads it. Credit decisions are taken with the firm's capital partners, which together provide more than $600M in aggregate lending capacity.

• LLCs, corporations and other business entities
• Foreign nationals through a US entity
• No US credit history required on asset-based programs
• Soft credit pull only at consultation, no upfront fees

From consultation to closing

The process starts with a consultation, booked online or through the site form. During business hours, Monday to Friday, 9:00 to 18:00 Eastern, the firm moves from that consultation to a preliminary term sheet in one hour. The term sheet is preliminary and non-binding; it states the structure the firm is prepared to underwrite, not a commitment to lend. Service is available in English, French, Spanish and Arabic.

Underwriting follows on a complete file, and closing typically takes 48 hours to 14 business days from that point. The firm is based at 10275 Collins Ave, Bal Harbour, Florida; the collateral can be anywhere in the state. Reach the office at +1 954 228 3601, on WhatsApp at +1 305 773 2177, or at contact@reisserscapital.com.