Fix & Flip Loans in Florida

Florida fix-and-flip is supported by both deep buyer demand (top inbound migration state) and active wholesale lender networks. Foreclosure is judicial in Florida, which means longer hold times on REO acquisitions and slower title clearance - factor in extra time when underwriting a flip with a foreclosure-purchase entry.

Top Florida markets for fix & flip

  • Tampa Bay: Strong rehab inventory; ARV growth slowing but still positive.
  • Orlando: Consistent population growth keeps absorbing rehab inventory.
  • Jacksonville: Lower entry prices; healthy investor flip volume.
  • Miami / Broward: Higher entry, higher ARV; condo flips a meaningful subsegment.

Florida quick facts

  • Judicial foreclosure (12-18 mo timeline)
  • State contractor license required >$2,500
  • No state income tax on flip profit
  • Insurance costs rising sharply post-Ian

Active programs available in Florida

Bridge Loan for Investors

confirmed 5/19/2026

Short-term bridge financing for investment residential and commercial real estate, offering quick funding without income or credit requirements.

Fix & Flip Loan for Investors

confirmed 5/14/2026

Non-recourse bridge financing for real estate investors to acquire, renovate, and stabilize single-family and build-for-rent portfolios with terms up to 24 months.

LTV up to 90%

Fix & Flip Loan for Investors

confirmed 5/28/2026

Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.

FICO 500+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/20/2026

A fix and flip loan program for experienced real estate investors offering fast funding in as little as 5 days and potential for post-closing appraisals for qualified borrowers.

Bridge Loan for Investors

confirmed 5/20/2026

A short-term bridge loan with terms ranging from 12 to 24 months, designed for investors with at least 2 years of experience. This program does not require a DSCR calculation and offers up to 80% LTV.

FICO 700+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+

Fix & Flip Loan for Investors

confirmed 5/20/2026

Short-term financing designed for real estate investors to acquire and renovate properties with fast closing timelines.

Bridge Loan for Investors

confirmed 5/19/2026

A short-term financing solution for real estate investors to manage multiple projects and property acquisitions with a line of credit available for up to twelve months.

Fix & Flip Loan for Investors

confirmed 5/28/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%

Bridge Loan for Investors

confirmed 5/11/2026

Short-term bridge financing for investment property purchases with no prepayment penalties.

FICO 680+LTV up to 75%

Fix & Flip Loan for Investors

confirmed 5/10/2026

Hard money financing for real estate investors covering up to 100% of purchase and rehab costs, limited to 70% of the after-repair value.

Fix & Flip Loan for Investors

confirmed 5/16/2026

Private hard money financing for investment residential and commercial real estate, offering fast closings and flexible terms for various project types.

Fix & Flip Loan for Investors

confirmed 5/28/2026

Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/29/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

Bridge Loan for Investors

confirmed 5/12/2026

Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.

Bridge Loan for Investors

confirmed 6/4/2026

Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.

FICO 500+LTV up to 50%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/9/2026

A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.

Bridge Loan for Investors

confirmed 5/9/2026

A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.

Bridge Loan for Investors

confirmed 5/10/2026

Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.

FICO 650+LTV up to 75%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 6/2/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

Florida Fix & Flip FAQs

How long does a Florida foreclosure take?

Florida is a judicial foreclosure state. Average timeline from filing to REO is 12-18 months, but some counties run faster (8-10 months) and others slower (24+ months). Build buffer if you're acquiring REO.

Are there FL-specific contractor licensing requirements for flips?

Yes. Florida requires a state contractor license for projects over $2,500. Many lenders require licensed GC sign-off on rehab budgets. Owner-builder is allowed in FL but limits your ability to sell within 12 months.

What's the typical FL flip ARV uplift in 2024-2025?

Mid-cycle markets (Tampa, Jax) showing 10-18% gross uplift. Miami higher but slower turn. Run conservative ARV assumptions, especially in coastal markets.

General fix & flip questions

How is the loan amount calculated?

Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.

Do I need experience to get a fix and flip loan?

No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.

How are rehab funds disbursed?

Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.

See all Fix & Flip guidelines and FAQs →

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