About Us
Vailmont Capital is a family-run, direct private/hard money lender providing fast, flexible financing for residential and commercial real estate investments in Florida and Missouri. 

Specializing in non-owner occupied properties for renovation and investment, we offer competitive lending options and superior customer service. 

Our approach is straightforward: quick answers, common-sense underwriting, and a commitment to building lasting relationships. At the heart of Vailmont Capital lies our family's dedication, resilience, and an unwavering commitment to the real estate sector. For us, Vailmont Capital isn't just about financing; it's about legacy.

Contact us at matt@vailmontcapital.com or ‪(727) 873-0699 for any inquiries or funding needs.

Lending highlights: Rehab Lending, ARV Lending, Private Lending, Asset-Based Lending, Cash-out loans, and Bridge Lending.
What is a Fix & Flip loan?
This is a short-term financing solution typically used to fund purchase and repairs of an investment property. You may use this option for 3-12 month periods. The name comes from the penchant by investors, house flippers and developers to buy investment properties with the intention of fixing it up and selling it for a profit, or flipping.
How does this differ from an Acquisition Loan?
Acquisition Loans are solely for the purchase, while the borrower funds all construction costs, whereas Fix and Flip means the lender provides funds for the purchase and the rehab of a property.
Do you need cash in hand for Fix and Flip loans?
Lenders require down payment of at least 20% of the total project cost. That “skin in the game” motivates investors to finish projects and thereby reduces the lender’s foreclosure risk.
Are there any prepayment penalty?
No, there is a minimum 3 month period on all loans but we allow you to pay off any time after that. 
What other fees are there? 
We believe in transparency, which is why we disclose all our fees upfront. Before the loan closing, there is a $350 appraisal fee. At the time of closing, an $850 underwriting fee will be deducted (on the HUD) to cover the costs of the title company and attorney completing the transaction, along with a $150 administrative fee for miscellaneous expenses.
What are some of the benefits of private money loans? 
There are many advantages that work in real estate investors favor. Examples include:

Speedy Closing: Hard money lenders, focusing mainly on collateral, don’t get entangled in lengthy paperwork or credit checks like traditional banks, which accelerates the closing process and reduces missed opportunities for investors. 

Customized Flexibility: Unlike traditional banks bound by strict policies, hard money lenders have a more adaptive underwriting process. Each deal is evaluated individually, allowing for adjustments to repayment schedules or terms based on the specific needs of the project.

Rehab Financing: Hard money loans are ideal for properties needing significant renovation. Lenders finance not only the purchase but also the rehab, ensuring the asset reaches its full market value. Traditional banks often avoid funding properties requiring extensive repairs, deeming them high-risk. Hard money loans fill this gap, enabling investors to unlock the potential of distressed properties.
How do I select a good hard money lender in St. Petersburg, Florida, and surrounding areas?
When selecting a hard money lender, consider the following:

Lending Rates and Fees: Hard money lenders typically charge higher rates due to increased risk and less paperwork. Consider the interest rate and the origination fee, which can be up to 10% of the loan value.
Loan Terms: Check for a reasonable repayment duration (typically 1-5 years) and ensure there are no prepayment penalties.
Qualifications: Some lenders may require a minimum credit score, and will consider your experience, investment background, and the property's qualifications.
Funding Time: Choose a lender that can approve applications quickly, within a few days, to enable fast deal closures.
Up-front Fees: Be cautious of lenders charging up-front fees, other than for appraisals.
Local Focus: The best hard money lenders primarily serve local customers, as local lenders often offer more flexibility than national ones and know the areas better.

Remember, unlike many "private lenders" who are actually brokers, we use our in-house money at Vailmont Capital, avoiding the additional costs and issues commonly encountered with other lenders who raise capital from investors or broker deals with other lenders.

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