Move faster. Finance

smarter.

From hard money and fix-and-flip financing to DSCR rental, bridge, commercial and residential loans—A to Z Capital helps you find the right solution with clear guidance at every step.

Start here

Get pre-approved today.

Tell us about your financing needs and continue to the secure application.

Loan Options for Real Estate Investors and Buyers

A to Z Capital helps real estate investors, property buyers, and borrowers review financing options with clear communication and practical guidance. We may act as a direct private or hard money lender for select bridge and hard money products. For other loan types, we work through lending partner relationships to help clients secure suitable options. If you are searching for a “hard money lender near me,” our team can review your property details and explain possible next steps.

Support for Florida real estate investors
Select direct private and hard money products
Lending partner relationships for other loan types
Guidance for purchase and refinance needs

Support for investment property financing
Private loan placement assistance
Clear communication before moving forward
Practical review of borrower goals
Experience with time-sensitive real estate deals
Financing conversations built around real numbers

Why Borrowers Work With A to Z Capital

A to Z Capital helps borrowers compare options with one of the experienced Florida hard money lenders serving real estate investors. Borrowers come to us for direct answers, property-focused review, and access to financing options that may fit real estate timelines, investment plans, and borrower needs.

Hard Money and Private Financing Knowledge

We understand how select private and hard money products can help investors handle purchase, bridge, renovation, or time-sensitive funding needs.

Lending Partner Access for Broader Options

For conventional, DSCR, government, and non-QM options, we help clients explore financing through lending partner relationships.

Book Appointment Now

How Our Financing Process Works

Clients seeking a private loan in Florida are welcome to contact us to discuss available financing paths and review what may fit their deal. Our process starts with the property, the borrower’s goal, and the timeline. From there, we help review possible financing paths and explain what may be needed next.

Step 1: Share the Deal Details

Tell us about the property, purchase price, timeline, loan purpose, and your financing goal. This helps us understand whether a private, hard money, or partner-based option may fit.

Step 2: Review Available Options

We review the information and explain possible financing routes in clear terms. If a lending partner relationship is needed, we help guide the next step.

Step 3: Prepare for Funding Review

Once the path is identified, we help organize the information required for review. The aim is a cleaner file, fewer delays, and clearer expectations.

Real Estate Investors Share Their Experience

Clients value clear communication, practical loan guidance, and support that helps them understand their financing options before making decisions.

    
 
 
      Trustindex verifies that the original source of the review is Google. Highly recommend Mr. Ron Schmitz at A to Z Capital along with his team. They truly provided me with a great experience by assisting me in refinancing my home. They also aid in making the process smooth and fast. They have your best interests in mind when it comes to finding the best interest rate for you. I am content with the service they provided me with.
  
  Posted on Google  
 
    
   Esther L. 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I had an outstanding experience working with Ron Schmitz and Holly Pelletier at A to Z Capital, Inc. From start to finish, they made the financing process incredibly smooth, professional, and stress-free.

Ron and Holly were knowledgeable, responsive, and always available to answer questions and provide guidance. Their attention to detail and commitment to keeping everything on track ensured that the entire transaction went through without a hitch. They consistently kept me informed, and their expertise gave me confidence every step of the way.

The level of service I received exceeded all of my expectations. It's clear that Ron genuinely cares about his clients and works hard to find the best financing solutions for their needs.

I highly recommend Ron Schmitz and A to Z Capital, Inc. to anyone seeking financing, whether it's for a residential or commercial property. I would not hesitate to use Ron and Holly's services again in the future.

Thank you both for an exceptional experience!
  
  Posted on Google  
 
    
   Tony Dahbura JHU 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I am very happy that I found Ron Schmitz to work with to finance the extensive renovation of my investment condo. This was a loan that others wouldn't even try to finance. Having worked with other investment lenders, I know the difference that Ron and his team provide. Ron's honesty and professionalism shone through from the beginning.

During my first call with Ron, he listened carefully to my situation and responded kindly and positively. He immediately got the process started and always promptly answered my questions. Everything was disclosed upfront and never changed. Holly was equally wonderful. She made the process easy and responded quickly. To find a lender that is kind, honest, and professional is unique.

My condo immediately rented, the tenant plans on staying long-term, and my financial stress has evaporated. Now I can look for a new project!
  
  Posted on Google  
 
    
   Kathy Rennie 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Ron and A to Z funded me when nobody else did. He is a magician and not only that, he's well connected since way before the 2008 crash.
  
  Posted on Google  
 
    
   Eric Toz 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I don’t mind paying for good services. And Ron, Holly and the whole group  provided above excellent services in their domain. Very professional and yet very personal. Always available to answer questions and bring clarification. This is rare in the financial world.
So I highly recommend them to anyone who is looking for financial services from a very friendly and knowledgeable group with exceptional expertise.
  
  Posted on Google  
 
    
   Dahlia Tod 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. We had an excellent experience working with A to Z Capital and their entire professional team for our residence refinance. From start to finish, the A to Z Capital Team was extremely professional, knowledgeable, and transparent. They took the time to clearly explain every step of the process, answered all of our questions promptly, and ensured we received fair and competitive lending terms.

The refinance was handled efficiently and smoothly, and we always felt confident that our best interests were the top priority. It’s rare to find a lender who combines professionalism, integrity, and outstanding service so seamlessly. We would highly recommend them to anyone looking for trustworthy and high-quality lending services.
  
  Posted on Google  
 
    
   Mark Speccia 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. After spending over seven months trying to close a deal with other brokers, my son and I were beginning to lose hope—until I met Ron Schmitz. Ron’s tenacity, transparency, and dedication completely changed the game. He not only took the time to understand the complexities of our situation but went above and beyond to find a solution where others couldn’t.

Thanks to Ron’s relentless effort and integrity, what once seemed impossible became reality. I can confidently say he’s one of the most honest and determined professionals I’ve ever worked with. If you’re looking for someone who will truly fight for your deal and deliver results, Ron Schmitz is the one you want in your corner.

LT Clayton
  
  Posted on Google  
 
    
   Jaret Williams 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Ron has been a blessing to our family.  He cares very much for his customers.  Our family can't thank him enough for his professionalism and attention to detail.  Thank you Ron!!!
  
  Posted on Google  
 
    
   Janie Aguayo 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Our experience with A to Z Capital was excellent. The entire company treated us with the utmost respect and professionalism. Ron Schmitz was extremely helpful, knowledgeable and very honest as we discussed all of the possible loan options. I would rate this company as a 5 Star Financial Institution.
Highly Recommended!!!
  
  Posted on Google  
 
    
   Mark Speccia

Guides for Real Estate Borrowers

Read updates on real estate financing, private loans, hard money, investor strategy, market shifts, and borrower questions across Florida.

September 21, 2026

How Investors Are Closing Hard Money Loans in 7 Days in South

South Florida real estate moves fast. A good investment property can hit the market, draw multiple offers, and disappear before a traditional loan file even gets warm. For investors, that delay can be the difference between landing a strong deal

September 17, 2026

Hard Money Loan Requirements in Florida – What Lenders Really Look At

Hard money can move faster than traditional financing, but speed does not mean shortcuts. The property still matters. The borrower still matters. The exit strategy still matters. The difference is that hard money loans in Florida are often more asset-focused and more

September 15, 2026

Fix and Flip Loan Requirements in Florida – What Actually Gets Deals

A good flip does not get approved because the after photos might look great online. It gets approved because the numbers make sense, the repair plan is realistic, and the financing structure fits the project from purchase to resale. Fix

Meet your lending team.

Experienced professionals committed to clear guidance, dependable communication and a smooth closing experience.

Clear answers before you apply.

We review the information and explain possible financing routes in clear terms. If a lending partner relationship is needed, we help guide the next step.

What is a hard money loan?

A hard money loan is a short-term real estate loan that allows investors to move quickly when purchasing or refinancing investment properties. Unlike traditional bank financing, hard money loans focus primarily on the property's value and the strength of the deal rather than extensive income documentation.

At A to Z Capital, we help real estate investors finance fix and flip projects, rental properties, multifamily properties, commercial real estate, and other investment opportunities with flexible hard money financing available nationwide

How fast can a hard money loan close?

Speed is one of the biggest advantages of a hard money loan. At A to Z Capital, many hard money loans can close in as little as 5 to 10 business days, depending on the transaction and how quickly required documentation is received.
If you have a competitive purchase, auction property, or time-sensitive investment opportunity, we'll work hard to help you close as quickly as possible.

What credit score is needed for a hard money loan?

Every loan is different, so there isn't one minimum credit score that fits every situation. At A to Z Capital, we look at the overall strength of the transaction, including the property, available equity, and your investment goals.
Even if you've been turned down elsewhere, you may still have financing options available. We'd be happy to review your scenario and discuss the best loan program for your needs.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is designed specifically for real estate investors. Instead of qualifying based on your personal income, the loan is based primarily on the property's rental income.
At A to Z Capital, DSCR loans are a great option for investors looking to purchase or refinance long-term rental properties while avoiding the hassle of providing personal tax returns or W-2s.

Can I finance an Airbnb or short-term rental property?

Yes. At A to Z Capital, we finance Airbnb, VRBO, vacation rentals, and other short-term rental properties throughout the United States.
Whether you're buying your first vacation rental or expanding an existing portfolio, we'll help you find the financing solution that best fits your investment goals.

What is a fix and flip loan?

A fix and flip loan provides short-term financing to purchase, renovate, and sell an investment property.
At A to Z Capital, we help investors secure financing for both the purchase price and renovation costs so they can complete their projects quickly and maximize their return on investment.

What is a bridge loan?

A bridge loan is short-term financing that helps borrowers purchase or refinance a property while waiting for permanent financing or the sale of another property.
At A to Z Capital, bridge loans are commonly used by investors, homeowners, builders, and business owners who need quick access to capital without waiting for a traditional mortgage.

Do you offer hard money loans in Boca Raton?

Yes. A to Z Capital proudly provides hard money loans in Boca Raton, throughout Florida, and nationwide.
Whether you're financing a fix and flip, rental property, multifamily property, commercial building, or another investment property, we're here to help you close quickly and confidently.

Can investors qualify without tax returns?

Yes. At A to Z Capital, we offer several investment loan programs that allow qualified borrowers to finance investment properties without providing personal tax returns.
Depending on the loan program, we can qualify borrowers using rental income, bank statements, property cash flow, available equity, or other alternative documentation. These programs are especially popular with self-employed borrowers and experienced real estate investors.

What are the down payment requirements?

Down payment requirements vary depending on the loan program, property type, and overall transaction.
At A to Z Capital, we offer a variety of financing solutions with flexible down payment options for investment properties, commercial real estate, and residential mortgages. We'll review your goals and help you choose the loan program that best fits your situation.

What states do you lend in?

A to Z Capital offers investment property loans, commercial real estate financing, hard money loans, DSCR loans, bridge loans, fix and flip loans, construction loans, bank statement loans, and many other financing solutions NATIONWIDE.
We also provide financing for primary residences throughout Florida. If you're purchasing, refinancing, or investing anywhere in the United States, our team is ready to help you find the right loan for your needs.

Capital for every strategy.