Fix & Flip Loans Florida | Hard Money Lender Florida

Fix and Flip Loans Florida

Fast Funding for Fix & Flip in Florida!

Need reliable funding for your next fix and flip project in Florida? At HardMoneyLenders.io, we’re a direct hard money lender offering fast, flexible, and investor-friendly fix and flip loans across Florida. Our in-house lending team eliminates the middleman – providing same-day approvals, competitive rates, and funding designed to keep your real estate deals moving. Whether you’re flipping properties in Miami, Orlando, or Tampa, we make financing quick, straightforward, and tailored to your investment goals!

Get in Touch

Why Choose Us for Fix & Flip Loans in Florida?

Fast Funding

Close in as little as 48 hours

High LTV

Up to 80% purchase price

No Income Verification

Asset-based lending

Interested in Detailed Discussion?

Connect with Florida’s Real Estate Funding Expert

CONNECT NOW

The Process of Getting a Fix & Flip Loan in Florida

Step-1: Discovery

Connect with our Florida Funding Expert & discuss your proposal. If everything looks good, we will move to the next step.

Step-2: Diligence

Our team of experts will evaluate the deal & share their insights & take on the proposed deal.

Step-3: Deal!

After agreeing upon the values & timelines, the contract will be signed & the funds will get processed.

Cities We Service in Florida

Loans We Offer in Florida

Why Investors Choose Us to be their Private Money Lenders in Florida?

Our loans start at 9.99%

Upto 80% LTV

We close deals in 4-7 days!

Need Proof of Funds Letter for Your Florida Deal? Get it Now!

Hard Money Lender Florida is a direct lender & not a broker! Our NMLS is: #1390213

Florida Market Insights for Flippers

Home prices dipped 5% statewide last year but are stabilizing with 2.6 months of inventory and modest 0.9% YoY growth nationally influencing Florida.

Foreclosure starts surged: Florida leads the nation- driven by underwater homes (negative equity) and tripling insurance premiums from climate risks like hurricanes and flooding. Lenders are seeing this as a foreclosure-led downturn, creating bulk distressed inventory for flips, especially in Southwest Florida where rebuilding post-storms boosts demand.

Tampa and Jacksonville top fix-and-flip lists due to affordable entries ($175K–$240K purchase + $55K–$75K rehab), strong FHA buyer exits, and port growth. Miami shifts to middle-market ($250K–$600K) rehabs with storm-proof upgrades commanding premiums; avoid high-end luxury amid softening. Central Florida (Orlando) sees investor demand for BRRRR strategies on rentals, getting funded fast.

Meet Florida's Real Estate Expert :
Yuval Elkeslasi

Yuval Elkeslasi, the driving force behind Hard Money Lenders IO, has established a significant presence in the finance industry. Hailing from Queens, NY, his innovative lending strategies have reshaped the landscape. Armed with a bachelor’s degree in Finance from Florida State University, Yuval’s career has soared to unprecedented heights.
Under his guidance, Hard Money Lenders IO has introduced a diverse range of loan programs, each tailored to specific needs. These include fix and flip, new construction, cash-out refinance, rental property loans, and even yacht loans. His instrumental role in securing an $8 million construction loan for a spec home builder in Port Royal, Naples, and managing the financing for a 72’ 2024 Viking Convertible, valued at $7.2 million, is a testament to his expertise.
His dedication to providing personalized service, competitive rates, and flexible financing options is unparalleled. His deep understanding of the lending market allows him to work closely with clients, valuing their unique needs and identifying the best solutions. Whether it’s residential projects or luxury yacht financing, Yuval is committed to helping clients achieve their financial goals with expertise and professionalism.

Yuval Elkeslasi

Answers You Might Be Looking For

What are Fix & Flip Loans?

A fix and flip loan is a type of short-term, asset-based financing specifically used to purchase and renovate properties before selling them for profit. These loans are typically hard money loans offered by private lenders, with approval based on the property’s after-repair value (ARV) rather than the borrower’s creditworthiness. The loan amount is derived from the property’s estimated value after renovations are completed.

How long are the loan terms?

We offer Fix and flip loan terms typically from six to 18 months depending upon the property.

What are the typical interest rates and fees?

Interest rates for fix and flip loans in Florida generally range from 10.50% to 14%, with the average rate being approximately 11.50%. We offer offer rates as low as 9.25% , while on the hand may charge upto 15% depending on the risk factors. Origination fees typically range from 1 to 3 points, with our average being 2 points (2% of the loan amount).

What are the down payment requirements?

We require a down payment of 10% to 20% of the purchase price. For experienced investors, we may accept as little as 10% down, while first-time flippers may need to contribute 15% to 20%.

How does the loan disbursement work?

We use a draw process where funds are released in stages as construction milestones are completed. You’ll need to submit draw requests with documentation of completed work, including progress inspections and paid invoices. We review the request and reimburse based on a predetermined loan-to-cost ratio. This staged approach ensures efficient fund usage and proper project progression.

What is the after-repair value (ARV) requirement?

The ARV is crucial for determining loan amounts and must be supported by comparable property sales and professional appraisals.

What are the payment structures?

Fix and flip loans feature interest-only payments during the loan term, with a balloon payment due at maturity when the property is sold or refinanced.