Hard Money Loans Florida
Asset-based Florida hard money built for speed – up to 95% of your purchase price, 100% of the rehab funded in draws, and closings in as fast as 5-10 days so you win the deal and control the timeline.
- Hard Money Loans Florida qualify on the property and the deal – not your tax returns
- Up to 95% LTC on the purchase and 100% of rehab costs reimbursed by draw
- Fix & flip, bridge, ground-up, Florida vacation rentals, cash-out and rental-exit refinances statewide – close as fast as 5 days
- Interest-only payments; no prepay on most programs; close in an LLC
- Foreign-national and first-time investors welcome; loans from $75K to $20M+
- Tampa, Orlando, Jacksonville, Miami, Fort Lauderdale, Lakeland, Ocala and beyond
Free Florida Hard Money Quote
What is a Florida hard money loan?
A Florida hard money loan is short-term, asset-based financing secured by the investment property itself. Instead of underwriting your W-2s, tax returns and debt-to-income like a bank, we underwrite the deal: the purchase price, the rehab budget and the after-repair value (ARV). If the numbers work, you close – often in a week to ten days – with interest-only payments while you renovate and sell or refinance.
That structure is exactly why active Florida investors use hard money to compete. You can offer cash-like certainty, close before slower buyers, fund up to 95% of the purchase and have 100% of your rehab reimbursed in draws – keeping your own capital free to run several projects at once.
Florida hard money – the numbers that matter
| Loan-to-cost (purchase) | Up to 95% LTC for experienced investors |
|---|---|
| Rehab financing | Up to 100% of the renovation budget, released in draws |
| Max loan vs. ARV | Typically up to 75% of the after-repair value (ARV) |
| Rates | From 9.99%, interest-only (deal- and experience-based) |
| Points / term | Typically 1.5-3 points; 6-18 month terms; extensions available |
| Credit | From 620; no income documentation required |
| Property types | SFR 1-4, condos, townhomes, small multifamily, mixed-use, land/build |
| Loan amounts | $75,000 to $20 million+ |
| Entity | Close in an LLC; foreign-national & first-time investors welcome |
Why a Florida hard money loan wins deals – and builds returns
Speed beats the market
Florida’s best flips and off-market deals go to whoever can close first. A 5-10 day hard money close lets you make cash-like offers and lock a property while bank buyers are still ordering an appraisal.
95% LTC keeps your capital
Financing up to 95% of the purchase means a fraction down instead of 20-25%. Your cash stays liquid for rehab overages, carrying costs and – critically – your next Florida acquisition.
100% of rehab, funded
We reimburse the full renovation budget through construction draws as work is completed. You front far less, and the leverage is what turns a solid Florida flip into an outsized cash-on-cash return.
Underwrite the deal, not you
No tax returns, no W-2s, no DTI. We qualify the purchase, rehab and ARV – so self-employed, foreign-national and first-time Florida investors all get a fair look.
Scale to many projects
Because each deal ties up little of your own money, you can run three or four Florida renovations at once instead of one – compounding volume across a Florida season.
A clean exit path
Flip and sell, or refinance into a 30-year DSCR rental loan with the same lender. We build the exit in from day one so your Florida project never stalls at the finish line.
The Florida real estate market in 2026 – deep dive for investors
Florida remains one of the country’s most active investor markets, and 2026 is a market of opportunity through normalization rather than the frenzy of prior years. The statewide median single-family price sits near $425,000, with price growth cooling to roughly 2% for 2026 after years of double-digit gains. Single-family inventory has climbed back to about 4.7 months of supply – close to the six months considered balanced – which means more listings, longer days on market and, for the first time in years, real negotiating room for investors who can move quickly with cash-like hard money.
That rebalancing is exactly where disciplined flippers and BRRRR investors make money. Florida fix-and-flip gross profits have averaged around $80,000 per project, and margins remain strong in the metros with genuine end-user demand: ATTOM data put Jacksonville near a 27% gross flip margin and Orlando above 22% in recent quarters. Headwinds are real and worth underwriting honestly – Florida homeowners insurance now averages around $7,100 a year, property-tax reassessments have risen, and softer pockets like Cape Coral-Fort Myers are seeing price declines. The winning play is to buy right in resilient submarkets, budget carrying costs realistically, and use leverage and speed to shorten your hold. No state income tax, relentless in-migration and a tourism economy that feeds both short-term-rental and workforce-housing demand keep Florida’s long-run fundamentals firmly in investors’ favor.
Top Florida markets for hard money in 2026-2027
Jacksonville
The Southeast’s largest city by land area keeps posting some of Florida’s best flip margins on affordable entry points, steady job growth and deep buyer demand across Duval and the beaches.
Orlando
Theme-park employment, a booming medical and tech corridor and constant in-migration make Orlando a reliable flip and rental market, with accessible price points versus South Florida.
Tampa / St. Petersburg
Tampa-St. Pete pairs strong population and job growth with more workable entry prices than Miami, deep rental demand across Pinellas and Hillsborough, and pockets of resilience even as the broader market cools.
Lakeland – Winter Haven
Between Tampa and Orlando, the I-4 corridor offers lower acquisition costs and a fast-growing renter base – fertile ground for value-add flips and rental conversions.
Ocala
One of Florida’s most affordable metros, Ocala draws retirees and horse-country buyers, giving flippers cheap bases and dependable resale demand.
Miami – Fort Lauderdale
South Florida carries the highest insurance and tax load and softer investor activity, but experienced operators still find premium margins on the right renovation in the right pocket.
Sample Florida fix & flip – 95% LTC + 100% of rehab
A representative Central Florida flip financed with hard money. Leveraging 95% of the purchase and 100% of the rehab keeps the investor’s cash-in low and the project-level return high:
| Purchase price | $260,000 |
|---|---|
| Loan at 95% LTC (purchase) | $247,000 · investor down payment $13,000 |
| Rehab budget (100% financed, by draw) | $70,000 |
| After-repair value (ARV) | $430,000 |
| Interest (10.5% IO, ~6-month hold) | − $16,600 |
| Points & closing costs (est.) | − $8,300 |
| Selling costs (~6.5% of ARV) | − $27,950 |
| Estimated net profit | ≈ $47,150 |
| Cash invested (down + costs + reserves) | ≈ $26,300 |
Illustrative for 2026 and not a guarantee or an offer. Actual purchase, rehab, ARV, rate, points, insurance, taxes and sale costs vary by property, market, experience and program. High leverage magnifies both returns and risk. Business-purpose, non-owner-occupied only. Consult your CPA. Equal Housing Lender.
Florida hard money loan calculator
Estimate only. Assumes 100% of rehab financed, 2 points, ~$4,000 reserves/closing and 6.5% sale costs. Verify all figures with your loan officer.
Florida hard money loan programs
Fix & Flip
Up to 95% LTC + 100% rehab; 6-18 month interest-only for buy-renovate-sell.
Bridge
Fast bridge financing to acquire or reposition while you line up a permanent exit.
Ground-Up Construction
Lot plus vertical costs for infill and spec builds across Florida.
Cash-Out / Refi
Pull equity from a Florida property to fund your next acquisition or rehab.
Rental (DSCR) Exit
Refi your finished flip into a 30-year DSCR loan and keep it as a rental.
Small Multifamily & Mixed-Use
2-4 units and mixed-use value-add on an asset-based, no-income-doc basis.
Florida cities we fund
- Tampa
- Orlando
- Jacksonville
- Miami
- Fort Lauderdale
- Lakeland
- Ocala
- St. Petersburg
- Sarasota
- Fort Myers
- Cape Coral
- Gainesville
We fund all Florida markets – from the Panhandle to the Keys, coast to coast. Don’t see your city? Send us the deal and we’ll fund it.
Florida hard money loan FAQ
How fast can you close a Florida hard money loan?
Clean deals with a complete file and a clear title routinely close in 5-10 business days. We qualify the property and the deal, so there is no income-based underwriting slowing you down.
Do you really finance 95% LTC and 100% of the rehab?
Yes – experienced Florida investors can access up to 95% of the purchase price and have 100% of the renovation budget reimbursed through draws, subject to the deal staying within roughly 75% of the after-repair value.
What credit score and documents do I need?
Credit from 620 with no income documentation. We focus on the purchase, rehab scope, ARV and your experience. Foreign-national and first-time investors are welcome.
What does a Florida hard money loan cost?
Rates start around 9.99% interest-only, with roughly 1.5-3 points depending on leverage, experience and the deal. You pay interest only during the hold, which keeps monthly carry low.
Can I roll a flip into a long-term rental?
Absolutely. Refinance your finished project into a 30-year DSCR rental loan with us – we build that exit in from the start so your capital recycles smoothly.
Which Florida property types qualify?
Single-family 1-4 units, condos, townhomes, small multifamily, mixed-use and ground-up construction – business-purpose, non-owner-occupied investment properties statewide.
Do you finance short-term and vacation rentals in Florida?
Yes – Orlando, the Gulf beaches and the Panhandle are strong short-term-rental markets, and you can refinance a finished flip into a 30-year DSCR loan to hold it.
How do you handle rehab draws on a Florida project?
We reimburse the renovation budget in draws as work is completed and inspected, so you front far less cash and keep the project moving.
Is there a prepayment penalty on a Florida hard money loan?
Most Florida programs carry no prepayment penalty, so you can sell or refinance as soon as your project is complete.
Florida market outlook: 2026-2027 and beyond
Expect Florida to keep normalizing through 2027 rather than reverse: modest low-single-digit price appreciation statewide, gradually rising inventory, and a clear divide between resilient job-and-migration metros (Jacksonville, Orlando, Tampa, the I-4 corridor) and softer, insurance-pressured coastal pockets. For investors, that spread is the opportunity – disciplined buying in the right submarket, realistic carry budgets, and speed on acquisition are what separate strong 2026-2027 Florida flips from stalled ones.
Longer term, the fundamentals that made Florida a top investor market are intact: no state income tax, sustained population growth, a diversified tourism-plus-healthcare-plus-logistics job base, and structural housing demand from both renters and retirees. Hard money is the tool that lets you act on those fundamentals now – close fast, control the renovation, and exit into a sale or a rental refinance on your schedule.
Market figures are third-party estimates for 2026-2027, vary by source and submarket, and are not guarantees.
Apply for your Florida hard money loan
Tell us about the property – purchase price, rehab budget and ARV – and get real terms fast with no income docs and no hard credit pull to quote. Investor financing only: foreign-national and first-time investors welcome, close in an LLC, from $75,000 to $20 million+.
Get a Free Florida Hard Money Quote
Florida Real Estate Outlook 2027, 2028 and Beyond
Florida’s growth story doesn’t stop in 2026 – it compounds. The state’s official Demographic Estimating Conference projects Florida will add roughly 297,000 net new residents every year through 2030 – about 800+ people a day, essentially all of it from in-migration. Fast-growing counties like St. Johns, Lee, Sarasota, Manatee, Pasco and Osceola are absorbing much of that wave, which means sustained, structural demand for renovated housing and rentals well into 2027, 2028 and beyond. For an investor using a Florida hard money loan, that demographic tailwind is the single most important backdrop there is: a growing base of buyers and renters shortens days-on-market for finished flips and keeps occupancy high on rental exits.
The jobs are following the people. Between 2020 and 2025 more than 74 companies relocated their headquarters to Florida – more than any other state, and the momentum has accelerated into 2026: Palantir moved its global HQ from Denver to Miami, Wells Fargo relocated its wealth-management headquarters to West Palm Beach (the first major U.S. bank to run that unit from South Florida), and D-Wave Quantum is moving its HQ to the Boca Raton Innovation Campus. Palm Beach County alone has drawn 140+ companies, 13,000+ jobs and over $1.1 billion in investment in five years, cementing the “Wall Street South” corridor alongside earlier arrivals like Citadel, Goldman Sachs and Blackstone. Add the Space Coast’s aerospace boom, a $1.4-trillion tourism-anchored economy and no state income tax, and the investment case is durable.
Why this matters for a Florida hard money borrower: rising population and high-wage job creation support after-repair values and rental rents, so the ARV you underwrite today has real demand behind it tomorrow. Faster resale and refinance velocity means shorter holds and lower carry. And because hard money lets you close in as fast as 5 days with up to 95% LTC and 100% of rehab funded, you can act on Florida’s growth now – buying, renovating and exiting into a market that keeps adding hundreds of thousands of new residents and dozens of relocating employers year after year.
Population and relocation figures are third-party estimates and public projections for 2026-2030, vary by source and county, and are not guarantees.
Rates, LTCs, ARVs, returns and terms are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.