Capital Structures That Work for Your Deal.

Real Estate Finance Counsel for Florida's Most Active Markets

Florida's real estate finance market is among the most active in the country. From construction lending on Palm Beach's high-rise residential towers to acquisition financing for industrial portfolios in Broward County, the volume and complexity of real estate debt transactions in this state demand counsel with deep experience in finance documentation and deal structure.

Hendrix Law represents both lenders and borrowers across the full spectrum of real estate financing — from straightforward acquisition loans to complex multi-tranche capital stacks involving senior debt, mezzanine financing, and preferred equity. We focus on getting deals closed efficiently, on terms that protect our clients' interests.

Our Real Estate Finance Services

• Loan documentation and mortgage structuring
• Construction and bridge loan agreements
• Mezzanine financing and preferred equity
• Lender and borrower representation
• Intercreditor and subordination agreements
• Loan modifications, workouts, and restructurings
• Guaranty agreements and carve-out negotiations

Construction and Development Financing

Construction lending is among the most legally complex forms of real estate finance. The loan documents must address not only the standard terms of a mortgage loan but also the mechanics of the construction process — draw procedures, completion requirements, cost overrun provisions, and the lender's rights if the project falls behind schedule or over budget.

We represent developers and lenders in construction loan transactions throughout Florida, with particular experience in the South Florida market where development activity has remained robust. We understand the practical realities of construction lending — the pressure to close quickly, the importance of clear draw mechanics, and the need for loan documents that are workable for all parties throughout the construction period.

Complex Capital Stacks and Structured Finance

Many of today's real estate transactions involve layered capital structures — senior mortgage debt, mezzanine financing, preferred equity, and common equity, each with its own documentation, priority, and rights. Structuring and documenting these arrangements requires counsel who understands both the legal framework and the commercial dynamics of each layer.

We advise on the full range of structured finance arrangements, including intercreditor agreements that govern the relationship between senior and subordinate lenders, co-lender agreements for participation structures, and preferred equity arrangements that provide investor protections while preserving the developer's operational flexibility.

Loan Workouts and Restructurings

When a real estate loan encounters difficulty — whether due to construction delays, market disruption, or borrower financial stress — the outcome depends heavily on how quickly and skillfully the parties engage. We represent both lenders and borrowers in loan workouts, modifications, and restructurings, with a focus on achieving practical solutions that preserve value and avoid the cost and uncertainty of foreclosure. Our experience on both sides of the table gives us a realistic understanding of what each party needs and where workable solutions can be found.