Private and Hard Money Lending Legal Services for Florida Investment Property Loans

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Protect Your Loan. Protect Your Investment.

Private financing or hard money lending is a common tool for funding real estate investments. Our typical client is an individual lender who has a 401(k), savings, or investment portfolio and chooses to lend money to a real estate investor. The loan is often short-term—usually 18 months or less—and secured by a residential property that is not owner-occupied.

Whether you are offering funds for a fix-and-flip, bridge loan, or similar investment, our firm ensures the legal framework is sound, your collateral is protected, and your rights are preserved if the borrower defaults.

More About Private Financing

Who We Help

  • Individuals lending to investors using self-directed IRAs, 401(k)s, or personal savings

  • New lenders seeking guidance through their first deal

  • Experienced lenders who need fast and reliable document preparation

  • Clients funding residential rehab projects or short-term bridge loans

What We Do

Often times we act as both title and settlement agent for these transaction, ensuring documents are executed, recorded, and that title insurance policies are issued. After the loan closes, we may assist with escrow management, distributing funds on a draw schedule dictated by the lender.

Our services include:

  • Drafting promissory notes, mortgages, and personal guarantees

  • Advising on interest rates, default clauses, and loan terms

  • Coordinating recording and title insurance (when acting as closing agent)

  • Ensuring lien priority and clear documentation

  • Advising on loan enforcement and remedies in the event of default

Why It Matters

Lending is a business—and you deserve the same legal protections as any other business. Without proper planning, a loan can become unenforceable, delayed, or subordinated to other claims. Our legal team helps you avoid common mistakes like:

  • Failing to record the mortgage timely

  • Overstepping usury limits

  • Missing lien priority

  • Incomplete or unenforceable terms

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Why Choose Mangrove Title and Legal, PLLC

  • We understand real estate investors and the local Brevard market

  • We explain the risks and rewards clearly and thoroughly

  • We can act as your legal team, title company, and settlement agent—all in one

  • We work with lenders across Florida, with a focus on Brevard County

FAQ

  • Not necessarily. However, like any profession or trade, if you are not experienced, you might miss an important step. Florida law requires proper documentation in order to ensure that your loan is enforceable.

  • Not necessarily. However, our office would be stretched to think of a circumstance where it would be prudent to not have title insurance. Title insurance ensures that your mortgage is in the correct position and protects against claims that could jeopardize your loan. The cost of the premium is relatively inexpensive and can be placed on the borrower.

  • Yes. We can serve as settlement and title agent to coordinate closing, issue title policies, and disburse funds.

  • We help you evaluate your options, including forbearance, deed in lieu of foreclosure, or initiating a foreclosure action.

  • We advise on Florida’s usury laws and help you structure rates that are legal and enforceable.

Start Lending with Confidence

If you’re considering offering a loan secured by real estate, Mangrove Title and Legal, PLLC can help you get it right the first time. Call us today or complete our lender intake form below to begin protecting your investment.

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