Address: Miami, FL 33133
ARV: $8,000,000.00 (As-is)
1st Mortgage: $750,000.00
2nd Mortgage: $2,000,000.00
Loan Structure: 12 Months Interest Only
Interest Rate: 2.6%
LTV 34.38%
Loan Purpose: Refi Cash-out
Funded May 8, 2026
A big thank you to a California mortgage broker for trusting HML Solutions with one of his clients who needed a fast $2,000,000 cash injection for a company located outside of the United States.
When the opportunity first came across our desk, timing was everything. Traditional financing simply could not move fast enough or structure the deal appropriately for the borrower’s needs. The client owned a luxury Miami condominium valued at approximately $8,000,000 with an existing first mortgage balance of roughly $750,000 at an incredibly low 2.6% interest rate — a position they understandably did not want to disturb.
After reviewing the file, we structured terms for up to a $3,000,000 second mortgage, subject to a satisfactory property walkthrough and due diligence. Ultimately, the borrower determined they only needed $2,000,000 to accomplish their objectives.
This is where private lending truly separates itself from conventional financing. Transactions like this are not about chasing the lowest possible rate — they are about execution, certainty, speed, and the ability to structure solutions around real-world business needs when banks cannot react quickly enough.
We appreciate the confidence placed in us to navigate a complex, time-sensitive situation and deliver a workable solution. In this business, relationships, trust, and execution still matter most.
Another example of why decisive lenders continue to win in today’s market.
