Private Money Lender Program
Private, Real Estate Backed Lending Opportunities.
We source, underwrite, and renovate residential properties across South Florida and work with private lenders on a deal-by-deal basis, secured by real property, documented from day one.
2014
Buying since
150+
Real estate transactions
South Florida
Market focus
Introduction
What Private Money Lending Actually Is
Private money lending means an individual lends capital directly to a real estate operator, rather than leaving it in a bank account, brokerage account, or retirement fund earning very little.
There’s no fund, no pooling of investor money, and no middleman managing your capital on your behalf. You review each opportunity individually and decide, deal by deal, whether you want to participate.
The loan is secured by an actual property through a recorded mortgage or deed of trust, and the lender earns a fixed rate of interest agreed upon before funding. When the property sells or refinances, the loan is repaid.
Joining our Private Lender Network does not obligate you to fund any specific opportunity. You stay in control of which deals, if any, you choose to lend on.
The Opportunity
Why People Choose to Lend on Real Estate
Real Collateral
Unlike stocks or unsecured lending, your capital is backed by a physical, appraisable real estate asset.
Fixed, Agreed-Upon Returns
The interest rate and term are set and agreed upon before you fund; they’re not subject to market swings.
Short Holding Periods
Most projects have a clearly defined exit, resale or refinance rather than an indefinite holding period.
Direct Relationship
You work directly with our team, no call center, no fund manager, no pooled-investor structure involved.
Deal-by-Deal Control
You choose which specific opportunities to fund yourself. Nothing is automatic, required, or obligatory in any way.
Documented From Day One
Promissory note, recorded lien, and title and insurance support are all part of how every deal is structured.
Use of Funds
What the lender’s money may be used for
Opportunity Identified
Purchasing distressed or underperforming properties identified through our sourcing process.
Renovation & Repositioning
Funding the repair scope needed to reach a marketable, resale-ready condition.
Carrying Costs
Insurance, taxes, and utilities during the renovation and marketing period.
Bridge / Short-Term Capital
Moving quickly on time-sensitive acquisitions ahead of a refinance or resale.
Process
How Our Private Lending Process Works
From the first opportunity to final payoff, the same six steps, every time.
01
Opportunity Identified
We present a property that meets our acquisition criteria to our Private Lender Network.
02
Deal Package Prepared
Purchase price, repair concept, budget summary, timeline, and proposed lender terms are assembled.
03
Lender Review
You review the opportunity and supporting documents and decide whether it’s a fit for you.
04
Closing & Documentation
If you choose to fund, a closing professional coordinates documentation and disbursement.
05
Project Execution
We manage acquisition, renovation oversight, timeline, and disposition with regular updates.
06
Payoff at Sale or Refinance
You’re repaid according to the agreed terms, with the final payoff reflected in the settlement statement.
Lender Security
How Lender Security Is Structured
Real estate-backed lending, disciplined underwriting, transparent execution.
Underwriting Controls
Conservative purchase basis
Comparable sales review
Repair scope and budget review
Timeline and holding-cost planning
Exit strategy defined before funding
Contingency planning and documented scope
Repair Scope
Promissory note
Recorded mortgage or deed of trust
Title insurance or title policy support
Hazard insurance naming the lender when applicable
Closing statement and payoff instructions
Draw schedule tied to verified progress
Every opportunity is deal-specific. Lien position, term, payment schedule, and documentation
are reviewed and agreed upon before any funding decision.
Underwriting
How We Evaluate & Underwrite Every Opportunity
01
Purchase Basis
Conservative purchase price analysis and comparable sales review.
02
Repair Scope
Detailed budget, contractor estimates, and cost tracking before funding.
03
Timeline & Carry
Realistic schedule and holding-cost planning, with contingency built in.
04
Exit Strategy
Resale, refinance, or cash-flow exit is identified and defined before funding, not after.
Track Record
Our Experience & Company Credibility
We Offer Cash For House (Best Offer For Home) is a South Florida real estate solutions company focused on solving property problems and creating value through disciplined acquisition, renovation oversight, and disposition.
Why Us
Why Lend With We Offer Cash For House
When you work with us, you work directly with Andy Louis, Managing Member, not a call center or junior associate. We’re on-site, engaged, and accountable from demo to delivery on every renovation we manage, and we pass on deals that don’t work on a realistic basis; we don’t rely on appreciation to bail out a bad purchase.
Every project comes with photos and progress logs, milestone tracking, and regular updates. And with over a decade of South Florida acquisitions behind us, we know which neighborhoods and properties actually perform. Joining our network is simply that: a network. You choose which opportunities, if any, are right for you.
Case Studies
Example / Past Deals
A look at properties we’ve sourced, renovated, and repositioned. This section grows as new projects complete.
Deal Economics
How We Make Money / How the Deal Economics Work
We make our margin on the spread between acquisition cost, renovation cost, and resale value, not from lender interest. Your return is a fixed cost of capital to us, agreed upon before funding, and paid regardless of how the project performs relative to our own projections.
Party
How They’re Compensated
Private Lender
Fixed interest rate on the loan amount, agreed before funding, secured by the property
We Offer Cash For House
The margin between total project cost (purchase + renovation + carrying + lender interest) and final resale or refinance value
Specific rates, terms, and lien positions are deal-specific and reviewed before any funding
Decision: nothing here should be read as a standing offer or guaranteed return.
FAQ
Common Questions
What is a private lender?
Someone who provides capital directly to a real estate investor or company, secured by a lien on real property, in exchange for interest without going through a bank.
How is my investment secured?
Loans are documented with a promissory note and a recorded mortgage or deed of trust, with title insurance and hazard insurance where applicable.
Am I obligated to fund every deal you send me?
No. Joining our Private Lender Network simply means you’ll be presented with opportunities as they come up. You decide, deal by deal, whether to participate.
Can I use retirement funds (Self-Directed IRA)?
Some lenders in our network deploy capital through a Self-Directed IRA or similar retirement structure. We recommend speaking with your account custodian or a qualified advisor to confirm what’s permitted under your specific plan.
How are terms determined?
Every deal is different. Loan amount, term, interest rate, and lien position are reviewed and agreed upon before funding; nothing is standardized across deals.
Who will I be working with?
You’ll work directly with Andy Louis, Managing Member, no call center, no middleman.
Is this a security or a fund?
No. This is a direct lending relationship reviewed deal by deal. This material is for informational purposes only and does not constitute financial or investment advice.