Address: Cutler Bay, FL 33157
ARV: $640,000 (As-is)
Loan Amount: $384,000
Loan Structure: 24 Months Interest Only
Interest Rate: 13%
LTV 60%
Loan Purpose: Cash Out
Funded March 13, 2025
At HML Solutions, we specialize in helping experienced sponsors unlock equity to fuel business growth—and this Cutler Bay deal is a strong example.
The borrower owns a single-family investment property in Cutler Bay, Florida, with an existing loan balance of approximately $232,000. With a thriving business and new opportunities on the horizon, the sponsor sought to access equity through a cash-out refinance to reinvest into continued growth.
While the current value was in the process of being confirmed through a local appraisal, the property demonstrated solid fundamentals and strong collateral potential.
HML Solutions stepped in and funded a $384,000 loan at 60% loan-to-value, delivering fast and reliable capital. The loan was structured at a 13% interest rate with a 12-month term and a 6-month prepayment penalty.
This deal highlights our ability to move quickly, underwrite confidently, and provide flexible solutions that help borrowers scale both their real estate and business ventures.
