How much can I borrow on a Florida flip?

Up to 100% of the purchase price and up to 100% of the rehab, subject to an after-repair value cap.

Do you finance condo renovations in Florida?

We review condos case by case, including the building's inspections, reserves and any special assessments.

How long are your Florida hard money loans?

Terms run 6 to 12 months, interest-only, with extensions available if a project runs long.

Can I buy at a Florida foreclosure auction?

Yes. Pre-approval gives you financing before the auction so you can bid and close on time.

Is there a prepayment penalty?

No. Pay off your fix and flip loan whenever the property sells.

Do you lend on owner-occupied homes?

No. We only finance investment property.

Can I refinance into a rental loan afterward?

Yes. Many Florida investors refinance into our 30-year DSCR loan once the home is leased.

Florida Fix & Flip FinancingHard Money

Hard Money Lenders in Florida

Florida's renovation market rewards speed. Fund the purchase and the rehab on Florida flips from Pensacola to Miami with a lender that decides in-house and closes on schedule.

Get Funded in FL Call 1-800-674-3804

Hover or tap a pin to explore markets

100%

LTC on purchase + rehab

Same Day

Approvals

5–10

Business days to close

Metros featured

Local Markets

Florida Flip Markets

Where Florida investors are buying properties that need work.

Tampa Bay

Older block homes and bungalows ready for full renovations.

Seminole Heights
Brandon
St. Petersburg
Clearwater

Orlando

Starter-home flips across fast-growing suburbs.

Pine Hills
Kissimmee
Apopka
Sanford

Jacksonville

A large city footprint with affordable distressed inventory.

Riverside
Arlington
Mandarin
Westside

South Florida

Higher-value renovations and condo projects across three counties.

Miami Gardens
Hollywood
Fort Lauderdale
West Palm Beach

Southwest Florida

Storm-repair and renovation opportunities along the Gulf Coast.

Fort Myers
Cape Coral
Lehigh Acres
Naples

Panhandle

Affordable entry points in northwest Florida.

Pensacola
Tallahassee
Panama City

Available in Florida

Florida Renovation Financing

Short-term capital for Florida flips and value-add.

Hard Money Loans

Up to 100% of purchase and rehab, 6–12 month interest-only terms.

ARV Loans

Let the after-repair value carry heavier Florida renovations.

Bridge Loans

Multifamily and construction projects with up to 90% loan-to-cost.

DSCR Loans

Holding it? Refinance into a Florida DSCR loan.

Local Insight

Flipping in Florida: What to Know

Florida is a judicial foreclosure state, so distressed homes can take longer to reach the market and county clerk auctions follow court timelines. Pre-approval lets you act when a property finally comes up.

Insurance shapes Florida renovation budgets. Roof age, wind mitigation features and flood zone all affect what a buyer will pay, so many investors include a new roof or impact windows in the scope of work.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Roof and windows

Updates that improve insurability often improve resale value too.

Condo projects

Florida condo safety rules require milestone inspections on many older buildings; check association reserves.

Permits

Permit timelines vary by county; build them into your 6–12 month term.

Your Route to Closing

How We Fund Florida Deals

1
Pre-approval
Get financing in place before auctions and listings.
2
Scope the rehab
Include roof, windows and other insurance-driven updates.
3
Close
Close in 5 to 10 business days.
4
Renovate & exit
Sell with no prepayment penalty or refinance into a rental loan.