Bridge Loans Florida
Fast, interest-only transition capital for Florida: buy before you sell, reposition, hit an auction or 1031 deadline, or pull equity – up to 90% LTV and 75% cash-out, from 7.875%, closing in as fast as 5 days for residential and investment properties.
- Bridge loans in Florida close in as fast as 5 days on the value of the asset
- Up to 90% LTV to acquire, or 75% cash-out to unlock equity
- From 7.875% (subject to change), interest-only, 12-36 month terms, no prepay
- Buy before you sell – for residential and investment properties
- 620+ credit, no income or W-2 docs on investment properties; clear exit by sale or refinance
Free Florida Bridge Quote
What a Florida bridge loan is for
A bridge loan is short-term financing that spans the gap between where you are and where you’re headed. It’s secured by the property’s value – not your income – so it funds fast and buys you time: to close on the next deal before the current one sells, to stabilize or renovate before a permanent refinance, or to hit an auction or 1031 clock a bank can’t meet. Florida’s market has normalized – inventory near 4.7 months, price growth in the low single digits around a $425,000 median – which hands disciplined buyers real negotiating room. Demand stays deep: roughly 297,000 new residents a year, no state income tax, and flip profits that have averaged about $80,000, with Jacksonville and Orlando posting some of the nation’s best margins.
You pay interest only while the bridge is in place, then retire it with a clean exit – selling the asset or refinancing into a 30-year DSCR or conventional loan.
Five ways Florida investors use a bridge loan
Buy before you sell
Acquire the next property now and repay when your current one closes.
Reposition & stabilize
Renovate or lease up, then refinance into permanent financing at the higher value.
Auction & fast close
Meet tight auction or REO deadlines with cash-like certainty in days.
1031 exchange
Hit the 45- and 180-day exchange clocks without missing your replacement property.
Cash-out to reposition
Unlock equity from a Florida property to fund your next acquisition or rehab.
Florida bridge loan terms
| Purchase LTV | Up to 90% of the as-is value of the Florida property |
|---|---|
| Cash-out | Up to 75% of value to unlock equity |
| Rate & payments | From 7.875% (subject to change), interest-only for the life of the bridge |
| Term | 12-36 months; extensions available; no prepayment penalty |
| Close | As fast as 5 days; secured by the asset, not your income |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Property types | Residential and investment – SFR 1-4, condos, small multifamily, mixed-use and commercial |
| Exit | Sale of the property, or refinance into a DSCR or conventional loan |
Buy-before-you-sell: a Florida bridge example
You’ve found your next Florida property but your capital is tied up in one you haven’t sold. A cash-out bridge unlocks that equity so you can move now:
| Current property value | $600,000 |
|---|---|
| Existing loan payoff | $250,000 |
| Bridge at 70% LTV | $420,000 |
| Cash unlocked to buy next deal | ≈ $170,000 |
| Interest (7.875% IO, on $420,000) | ≈ $2,756 / month while outstanding |
| Exit | Sell the original property (or refinance) and repay the bridge |
Illustrative for 2026, not a guarantee or an offer. LTV, rate, payoff and costs vary by property, credit and program. Interest-only bridge debt must be repaid at term. Business-purpose only. Equal Housing Lender.
Florida bridge loan calculator
Estimate only. Cash unlocked = (value × LTV) − existing payoff, before costs. Purchase LTV up to 90%; cash-out up to 75%.
Why bridge financing works in Florida right now
| Market | Bridge advantage |
|---|---|
| Jacksonville | ~27% gross flip margins on affordable entry and deep buyer demand. |
| Orlando | 22%+ margins, theme-park and tech jobs, constant in-migration. |
| Tampa – St. Pete | Resilient prices and strong population growth at workable entry. |
| Lakeland – Winter Haven | I-4 corridor value between Tampa and Orlando with fast renter growth. |
| Ocala | One of Florida’s most affordable metros with steady resale demand. |
Cities with the highest investment return in Florida (2026-2027)
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Jacksonville | Top flip margins statewide against low entry prices. |
| Ocala | Cheap acquisition with retiree and horse-country resale demand. |
| Lakeland | I-4 corridor rent and value-add upside between two metros. |
| Palm Bay | Space Coast affordability and aerospace-driven demand. |
| Pensacola | Panhandle value with military and vacation-rental demand. |
Big projects reshaping Florida for 2027-2028
Florida’s 2027-2028 pipeline is loaded: Palantir moved its global HQ to Miami, Wells Fargo relocated its wealth-management headquarters to West Palm Beach, and D-Wave Quantum is moving to the Boca Raton Innovation Campus – part of 74+ company HQ relocations to Florida since 2020, plus a booming Space Coast.
Buying near these job engines now positions your exit into the demand they create – Bridge a Florida deal near the growth →
Florida bridge programs
Acquisition Bridge
Up to 90% LTV to buy a Florida property fast, ahead of permanent financing.
Cash-Out Bridge
Up to 75% of value to unlock equity for your next acquisition or rehab.
Reposition / Stabilize
Fund lease-up or light renovation, then refinance at the stabilized value.
Auction & REO
Certainty of close in days to meet tight auction and bank deadlines.
1031 Bridge
Short-term capital to hit exchange deadlines without losing your replacement property.
Residential Buy-Before-Sell
Move to your next home before the current one sells – residential and investment.
Florida markets we bridge
We bridge deals in every Florida market. Don’t see your city? Send us the scenario and we’ll structure it.
Florida bridge loan FAQ
Can I buy a new Florida property before I sell my current one?
Yes – that is the classic bridge. We lend against the value of a property you own or are buying so you can close now and repay when your sale funds.
What is the difference between a bridge loan and a fix and flip loan?
A fix and flip loan is built around a renovation and resale, sized to rehab and ARV. A bridge loan is about timing – buying, holding or repositioning until a sale or permanent refinance, for residential or investment properties.
What is my exit?
Selling the property, or refinancing into a 30-year DSCR or conventional loan. We confirm the exit up front so the bridge stays short and clean.
How much can I borrow or pull out?
Up to 90% of value to acquire, or up to 75% cash-out on value minus any existing payoff.
What is the rate and term?
From 7.875% (subject to change), interest-only, on 12-36 month terms with no prepayment penalty.
How fast can a Florida bridge loan close?
As fast as 5 days, because the loan is secured on the asset rather than your income – and no income or W-2 docs are needed on investment properties.
Can I bridge a residential home, multifamily or commercial property?
Yes – we bridge residential and investment properties: SFR 1-4, small multifamily, mixed-use and commercial.
Get your Florida bridge loan
Tell us the property, its value, any existing loan and your exit – and get real terms fast with no income docs and no hard credit pull to quote. Financing from $75,000 to $20 million+ for residential and investment properties.
Get a Free Florida Bridge Quote
Florida bridge outlook: 2027, 2028 and beyond
As Florida normalizes, timing gaps widen – sellers can’t always match a purchase to a sale – so buy-before-you-sell and cash-out bridges get more useful into 2027 and 2028, with a 5-day close a decisive edge in a migration-driven, no-income-tax market.
Market figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
Florida bridge loan rates, LTVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose and investment properties. Not a commitment to lend. Equal Housing Lender.