Where We Lend

Prestige Property Lending places business purpose financing for real estate investors in all 50 states. Loan sizes run from $100,000 to $25 million and most short term files close in five to ten business days.

The pages below are not marketing copy with a state name swapped in. Each one covers the rules and market conditions that actually change how a loan is structured in that state, because foreclosure process, property tax burden, insurance cost and rent regulation all affect what you can borrow and what it costs.

State guides

State	Markets we are most active in
Texas	Houston, Dallas, San Antonio, Austin and Fort Worth
Florida	Miami, Tampa, Orlando, Jacksonville and Fort Lauderdale
Georgia	Atlanta, Savannah, Augusta, Columbus and Marietta
New Jersey	Newark, Jersey City, Paterson, Elizabeth and Trenton
New York	New York City, Brooklyn, Queens, Buffalo and Yonkers
Arizona	Phoenix, Tucson, Mesa, Scottsdale and Chandler

Do not see your state

We lend in all 50 states. These guides cover the markets where we see the highest investor volume and where local rules most change the structure of a deal. If your project is elsewhere, tell us about it and we will place it the same way.

What changes state by state

• Property tax burden, which sits inside PITIA and directly moves your debt service coverage ratio
• Insurance cost, which in coastal markets can be the difference between qualifying and not
• Foreclosure process, judicial or non judicial, which affects lender pricing and distressed acquisition timelines
• Rent regulation, which in some markets caps the rent a lender will use for coverage
• Permitting and entitlement timelines, which set the realistic term on a construction loan