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 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026A 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 5/9/2026A 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 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing 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.
Got a Florida fix & flip scenario?
Tell us the deal - we'll match you with the right Florida lender and come back with current pricing.