Lakewood Ranch Lending

What Lakewood Ranch Lending does

Lakewood Ranch Lending is a privately held, NMLS-licensed mortgage lender (NMLS #1148813) that facilitates private mortgage note investments secured by first-position recorded mortgages on residential and investment properties in Florida's Gulf Coast Triangle — the Tampa, Orlando, and Naples corridor. The company's sole marketed product, the Gulf Coast Triangle Private Mortgage Investment, offers individual investors 12–13% annualized returns over a 12-month term, with interest paid monthly and rehabilitation funds held in trust and released only after inspection. Unlike blind-pool debt funds, each investor holds a recorded lien tied to a specific identified property, providing asset-level transparency.

The business is founder-led by Scott Ward, who is the public face of the firm and personally conducts all investor qualification calls. Cumulative funded-loan volume is reported at over $1.5 billion across more than a decade of origination, and the company carries industry positioning through the American Association of Private Lenders (AAPL), including a 2024 Community Impact award and an Education Committee seat. Revenue mechanics are not publicly disclosed; the firm appears to operate on a spread or origination-fee model between borrower rate and investor yield, though the exact take rate is not stated in available materials.

The go-to-market is entirely direct and relationship-based, with no self-serve digital acquisition channel, no institutional distribution partners, and no marketplace intermediation. Operations are anchored to Sarasota, Bradenton, and Lakewood Ranch, Florida. The firm does not disclose headcount, revenue, external funding, or expansion plans beyond its existing Florida footprint, and no AI/ML, proprietary technology platform, or non-Florida geographic activity is referenced in the source data.

Name

Lakewood Ranch Lending

Legal name

Lakewood Ranch Lending

Website

https://lakewoodranchtrustdeeds.com

Company type

Private

Operating status

Operating

Short description

Lakewood Ranch Lending is a privately held, NMLS-licensed Florida mortgage lender that offers individual investors 12–13% secured returns through first-position mortgage notes on properties in the Tampa–Orlando–Naples corridor, distributed via founder-led qualification calls.

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Direct Lending — Unitranche (FSAHAJAB)

akta.pro secondary industry

Direct Lending — Senior Secured (First Lien) (FSAHAJAA)

Keywords

• Private mortgage lending
• Mortgage note investments
• Trust deed investments
• Real estate debt
• Alternative fixed income

Headquarters

HQ city

Sarasota

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Interest Income from Mortgage Notes: Lakewood Ranch Lending generates returns by facilitating private mortgage note investments. Investors receive 12-13% secured returns backed by first-position recorded mortgages on real properties. The company operates within the Tampa-Orlando-Naples corridor, providing mortgage note investments structured as 12-month terms with monthly interest payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Lakewood Ranch Lending is a private real estate lender that enables individual investors to deploy capital into first-position mortgage notes secured by Florida real estate in the Tampa–Orlando–Naples corridor. The company's core offering is a private mortgage note fund that delivers 12–13% secured returns over a 12-month term, with monthly interest payments to investors. Investors receive a recorded first-position lien in their name on an identified property, with rehabilitation funds held in trust and released only after inspection.

Product overview

Lakewood Ranch Lending offers a single core product — the Gulf Coast Triangle Private Mortgage Investment — a private mortgage note fund that enables investors to achieve 12–13% secured returns backed by first-position recorded mortgages on Florida real estate properties in the Tampa·Orlando·Naples corridor. The product structure provides monthly interest payments, a 12-month term, and full transparency where investors hold control over identified properties rather than participating in a blind debt fund. Additional offerings include trust deed investments secured by Florida real estate debt.

Differentiator

Problem solved

Functional benefit

Products and services

• Gulf Coast Triangle Private Mortgage Investment A private mortgage note investment fund offering 12–13% secured returns to individual investors, deployed as first-position recorded mortgages on identified Florida real estate inside the Tampa·Orlando·Naples corridor, with monthly interest payments over a 12-month term and trust-held rehabilitation disbursements.

Quantifiable outcome

• 12-13% returns versus ~5% stock market average
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Yieldstreet: Alternative investment platform offering access to private credit, real estate debt, and other yield-generating assets. Comparable in marketing secured, above-market returns to individual investors seeking alternatives to public markets.
• EquityMultiple: Real estate investment platform offering both debt and equity opportunities to accredited investors. Comparable as an alternative-investment channel for yield-seeking capital, though broader in asset class than Lakewood Ranch Lending's pure note focus.
• CrowdStreet: Online commercial real estate investment marketplace. Adjacent in providing real estate-backed investment access to individual investors, though primarily focused on equity rather than first-position debt.

Direct peers

• Groundfloor: Real estate debt crowdfunding platform enabling individual investors to fund short-term, high-yield loans secured by residential property. Closely matches Lakewood Ranch Lending's investor-funded, property-backed note structure with retail-friendly minimums.
• Visio Lending: Private lender specializing in rental property and residential bridge loans, with a heavy Florida presence. Directly competes for the same fix-and-flip and rental investor/borrower base in the Tampa–Orlando corridor.
• Patch of Land: Online private real estate lending marketplace that connects investors with borrowers seeking short-term, asset-backed loans. Directly comparable in business model of facilitating mortgage note investments secured by real property, though national in scope.
• RCN Capital: Private lender specializing in fix-and-flip, rental, and new construction loans across multiple states including Florida. Comparable in serving real estate investors with short-term, asset-secured debt in similar Sun Belt geographies.
• Fund That Flip: Technology-enabled platform funding fix-and-flip and rental property loans for individual and institutional investors. Directly comparable in structuring short-duration, property-secured notes for yield-seeking capital.
• Lima One Capital: Private real estate lender focused on fix-and-flip, rental, and new construction loans, with strong Southeast US presence. Comparable in serving the same borrower/investor dynamic in similar Florida and Sun Belt markets.
• Kiavi (formerly LendingHome): Large-scale private real estate lender providing bridge financing to residential investors. Comparable in originating senior-secured, first-position mortgages on investment property and pooling investor capital against them.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lakewood Ranch Lending