Address: North Fort Myers, FL 33903
ARV: $1,083,000 (As-is)
Loan Amount: $487,500
Loan Structure: 12 Months Interest Only
Interest Rate: 13%
LTV 45%
Loan Purpose: Cash Out Refinance
Funded April 11, 2025
At HML Solutions, we specialize in identifying opportunities where others see challenges—and this North Fort Myers deal is a perfect example of strategic execution.
Our borrower acquired the commercial investment property at a deep discount, recognizing its upside potential. At acquisition, the property was only 50% occupied and suffered from deferred maintenance, limiting both its income and overall value. The borrower purchased the asset with cash, setting the stage for a value-add transformation.
To bring the property to its full potential, the borrower needed capital to renovate and stabilize the asset. HML Solutions stepped in and funded a $487,000 cash-out refinance at a conservative 45% loan-to-value. This allowed the borrower to unlock equity while maintaining strong leverage, and fully fund the necessary improvements.
With renovations underway, the property’s condition and tenant appeal significantly improved, driving occupancy toward 100% and increasing cash flow. What was once an underperforming asset quickly became a stabilized, income-producing investment.
Once the property reached stabilization, the borrower successfully refinanced into an SBA loan, securing long-term financing with favorable terms.
This deal showcases how HML Solutions provides strategic capital to help investors reposition assets, maximize value, and transition seamlessly into permanent financing.
