Fix & Flip Loans Florida | Hard Money Lender Florida

Fast Hard Money Financing for Real Estate Investors

Florida Fix & Flip Loans

Up to 85% LTC | 75% ARV | Close in 5–7 Days.

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Reasons to Choose Us

Fast Funding

Close in as little as 48 hours

High LTV

Up to 85% purchase price

No Income Verification

Asset-based lending

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Zero Time Waste Process

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

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

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.

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.