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Fix and Flip Loans in Florida for Real Estate Investors
A profitable real estate investment often starts with the ability to move quickly. Funding Florida provides fix and flip loans for investors purchasing, renovating, and reselling properties throughout Florida.
As a direct private lender, we fund qualified transactions with our own capital. Therefore, investors can avoid many of the delays, rigid requirements, and unnecessary steps associated with traditional bank financing.
Whether you are acquiring your first investment property or expanding an established portfolio, our team can evaluate the property, renovation plan, and exit strategy quickly.
Submit your deal today and request a clear, competitive term sheet.
Our fix and flip financing helps real estate investors purchase and renovate properties intended for resale.
Rate
9.5% – 12%
Max LTV / ARV
Up to 75% / 70%
Term
6 – 24 months
Minimum Loan
$250,000
Close Time
5 – 10 days
Final terms depend on the property, borrower experience, renovation scope, available equity, and exit strategy. All loans remain subject to underwriting approval.
Total Capital Deployed
Day Average Close
Rates Starting From
Deals Closed
From application to funded
in under two weeks.
1
Submit Your Deal
Complete our form — address, price, rehab estimate, and exit strategy. That’s it.
2
Term Sheet in 24 hrs
A senior loan officer reviews your deal and sends a clear, transparent term sheet within one business day.
3
Appraisal & Underwriting
Our team reviews the property valuation, title, insurance, renovation plan, borrower documents, and other required information.
4
Close & Wire Funds
Sign at any South Florida title company. Funds wire same or next day. Your deal closes, your project begins.
What Sets Us Apart
Built by investors, for investors.
If your real estate deal makes sense, we’ll move quickly to get you approved—often the same day—and funded without the headaches of traditional lending.
We specialize in working with investors who need certainty, speed, and a lending partner who understands the deal—not just the paperwork.
- Direct private capital — we fund from our own balance sheet
- One dedicated loan officer start to finish
- $2.1B+ deployed across South Florida submarkets
- Repeat borrower discounts on rate and points
- No prepayment penalty options on most programs
⚡
Speed That Wins Deals
Close in 5–10 days and beat out conventional buyers. Our streamlined process was built around competitive Miami timelines.
🌴
Miami Market Experts
We’ve underwritten every zip code from Homestead to Palm Beach. Local knowledge means smarter, faster decisions.
🤝
One Point of Contact
No hand-offs. No call centers. One loan officer owns your deal from application to funding.
📈
Repeat Borrower Program
Your track record works in your favor. Portfolio investors earn preferred pricing and priority underwriting.
Get Funded
What We Review
Our team evaluates the overall strength of the investment opportunity.
Important factors may include:
- Property address and type
- Purchase price
- Current property value
- Projected after-repair value
- Requested loan amount
- Renovation scope
- Detailed rehab budget
- Borrower experience
- Available cash and equity
- Credit and financial history
- Contractor experience
- Estimated project timeline
- Comparable property sales
- Expected resale price
- Exit strategy
A strong loan request should show that the purchase, renovation, and resale assumptions are supported by current market conditions.
Get Your Term Sheet
Tell us about the property and deal. We’ll review it and follow up quickly.
What Is a Fix and Flip Loan?
A fix and flip loan is short-term real estate financing designed for investors who purchase properties, complete improvements, and sell them for a profit.
Unlike a traditional mortgage, a fix and flip loan focuses heavily on the investment opportunity. The lender reviews the purchase price, current property condition, renovation budget, projected after-repair value, and expected resale strategy.
This type of financing can help investors purchase properties that may not qualify for conventional loans. For example, a home may require extensive repairs before a bank will consider financing it.
Funding Florida evaluates the full transaction rather than relying only on a borrower’s credit score or current property condition.
What Costs Can a Fix and Flip Loan Cover?
The exact structure depends on the project. However, fix and flip financing may help cover both acquisition and qualifying renovation costs.
Property Acquisition
Loan proceeds may help finance the purchase of the investment property. Funding Florida reviews the purchase price in relation to the current value and projected after-repair value.
Renovation Expenses
Depending on the approved loan structure, financing may include funds for qualifying property improvements.
Renovations could include:
- Roofing repairs or replacement
- Kitchen remodeling
- Bathroom remodeling
- Flooring installation
- Electrical improvements
- Plumbing repairs
- HVAC replacement
- Interior and exterior painting
- Structural repairs
- Landscaping and exterior improvements
- Window and door replacement
- General property modernization
A detailed and realistic renovation budget helps our team evaluate the project efficiently.
Closing and Project Costs
Investors should also plan for closing expenses, insurance, taxes, utilities, interest, and other carrying costs. These expenses may not all be included in the loan.
Our team can explain the proposed loan structure before you move forward.
Understanding After-Repair Value (ARV)
After-repair value, commonly called ARV, is the estimated market value of the property after renovations are completed.
ARV plays an important role in fix and flip loan underwriting. It helps determine whether the completed project may provide enough value to support the requested financing and planned resale.
For example, an investor may purchase an outdated property below market value. After completing strategic repairs and upgrades, the property could potentially sell at a higher price.
However, ARV must be supported by realistic comparable sales and a practical renovation plan. Overestimating the completed value can increase risk and reduce the project’s profit potential.
Funding Florida may provide financing up to 70% of the projected ARV, depending on the complete transaction.
Frequently Asked Questions About
Florida Fix and Flip Loans
How quickly can Funding Florida close a fix and flip loan?
Qualified fix and flip loans may close within approximately 5 to 10 days. Complete documents and a clear title can help prevent unnecessary delays.
What is the minimum fix and flip loan amount?
Funding Florida’s current fix and flip loan program has a minimum loan amount of $250,000.
How much can I borrow?
Funding may be available for up to 75% of the property’s current value and up to 70% of its projected after-repair value.
The lower applicable limit and complete underwriting analysis will determine the final loan amount.
How long are the loan terms?
Typical fix and flip loan terms range from 6 to 18 months.
Do you finance renovation costs?
Renovation financing may be included in certain approved loan structures. The rehab budget, property value, borrower contribution, and project scope will affect the final terms.
Do I need previous flipping experience?
Experience can improve the strength of an application. However, newer investors may still be considered when they present a strong property, sufficient equity, a qualified contractor, and a realistic business plan.
Is perfect credit required?
No single factor determines approval. Funding Florida reviews the property, borrower, equity, experience, renovation plan, and exit strategy.
Credit history can still affect eligibility and pricing.
Can I use the property as my primary residence?
No. Fix and flip loans are intended for business-purpose investment properties, not owner-occupied residences.
Where does Funding Florida provide loans?
Funding Florida evaluates qualifying fix and flip opportunities throughout Florida. Our home market includes Miami-Dade, Broward, Palm Beach, and surrounding South Florida communities.
Let's Talk
Fund Your Next Florida
Fix and Flip
A promising investment opportunity can disappear while a traditional lender reviews paperwork. Funding Florida gives qualified real estate investors direct access to fast, flexible private financing.
Whether the property needs cosmetic improvements or a more substantial renovation, we are ready to review the complete opportunity.
Contact us today to discuss the purchase, renovation plan, estimated after-repair value, and exit strategy. Our team will evaluate the deal and determine whether it fits our fix and flip loan program.