Private lending firm offering fix-and-flip, construction, bridge, and DSCR loans to real estate investors across Florida, Georgia, Texas, and nationwide with closings in as little as 5-10 days.
Data compiled from public sources · Rating from CreditDoc methodology
Funding Alternatives International is a private lending company that has been operating since 2004, with a management team claiming over 30 years of combined financing experience. The company specializes in non-traditional real estate financing for investors rather than consumer mortgage products, positioning itself as an alternative to traditional bank lending for real estate development and investment activities. They have funded over 350 loans totaling $165 million in origination volume, primarily serving investors across Florida, Georgia, and Texas, though they advertise nationwide availability.
The company offers six primary loan products: Fix & Flip loans (rates from 7.75%, up to 93.5% LTC), Ground-Up Construction loans (rates from 8.75%, up to 92.5% LTC), Bridge loans (rates from 8.75%, up to 75% LTV, 5-day closes), Rental Property/DSCR financing (rates from 6.50% with 30-year terms available), Permanent Commercial loans (rates from 8.99%, up to 75% LTV), and Hard Money loans (rates from 12.0%, $50K-$5M+). Their marketing emphasizes speed (10-day or faster closings), flexible underwriting, and willingness to fund deals traditional banks decline, with minimal documentation requirements on some products (no income verification, 620+ FICO minimum for bridge loans).
Funding Alternatives distinguishes itself through advertised rapid turnaround times (bridge loans in 5 days, most others in 10 days), diverse in-house loan programs, web-based technology platform for streamlined processing, and dedicated loan originators assigned to each client. They market directly to real estate investors and developers, emphasizing creative deal structures and high leverage ratios (up to 100% of construction costs for ground-up projects). Their loan programs target both U.S. and foreign national investors and claim to serve "hundreds of investors" across the Southeast.
As a private lender, Funding Alternatives operates outside traditional banking channels with higher rates and more flexible criteria than conventional mortgage lenders. The company appears legitimate with a functional website, clear contact information (305-315-5165), and documented funding history; however, this is primarily a commercial/investment product lender rather than a consumer finance provider. Borrowers should note that while rates are advertised as low as 6.50%, these products are designed for experienced real estate investors with significant equity and deal flow, not general consumers seeking personal or home mortgages.
Yes. Funding Alternatives International is a registered company, headquartered in North Miami Beach, FL.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Funding Alternatives is a specialized private lender best suited for experienced real estate investors and developers needing fast, flexible financing outside traditional banking channels. The critical caveat is that this is a commercial investment product lender, not a consumer mortgage provider—rates are substantially higher (7.75%-12%+) than conventional mortgages, and products are designed for investors with significant equity and development expertise, not primary residence buyers.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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