Address: Freeport, FL 32439
ARV: $490,000 (As-is)
Loan Amount: $250,000
Loan Structure: 24 Months Interest Only
Interest Rate: % 13
LTV 51%
Loan Purpose: Cash Out
Funded July 2, 2025
Located in Freeport, this pre-construction residential investment is part of a growing master-planned community in one of Northwest Florida’s fastest-expanding markets. The future single-family home is positioned on a standard residential lot within a developing neighborhood known for strong appreciation, new construction activity, and increasing investor demand.
The borrower, an out-of-state investor, acquired the property as a pre-construction investment with the intent to secure long-term financing upon completion. However, to preserve the opportunity and maintain construction momentum, he required immediate short-term capital to bridge the gap until permanent financing could be arranged.
HML Solutions stepped in with a fast, purpose-driven solution, structuring a bridge loan at 51% LTV with a $250,000 loan amount. Our team moved quickly through underwriting and closing to ensure the borrower did not lose positioning in the project or delay critical development timelines.
This funding allowed the investor to secure the asset, support the build phase, and maintain control of a strong appreciation opportunity while transitioning toward long-term financing options.
