Florida Hard Money Loans for Fix & Flip, Bridge and Rental Investors
Private real estate investor loans that underwrite the property and the plan, not your paystubs. Borrow up to 95% of the purchase price and 100% of renovation costs, then close in as few as 5-10 days anywhere in Florida.
- Fix and flip, bridge, ground-up construction and DSCR rental loans under one roof
- No income verification or tax returns – credit scores from 620
- Interest-only payments, LLC closings, loan sizes from $75K to $20M+
- Foreign nationals and first-time flippers welcome
Free Florida Hard Money Quote
Fast, asset-based funding built around Florida deals
Florida hard money loans are short-term, asset-secured loans that private lenders use to fund the deals banks are slow to touch: distressed homes, dated rentals, vacant lots and quick-turn purchases. Approval turns on three numbers – the purchase price, the renovation budget and the after-repair value (ARV) – so a strong deal with a clear exit is what gets you funded.
Whether you are buying a 1960s block home in Central Florida, rehabbing a canal-front property on the Gulf Coast or building spec homes on infill lots, one lender can cover acquisition, rehab draws and your exit through a sale or a long-term DSCR rental refinance.
Florida hard money loan terms at a glance
Clear, deal-based guidelines for Florida fix and flip loans, bridge loans and private money financing.
| Leverage on purchase | Up to 95% loan-to-cost (LTC) for experienced investors |
|---|---|
| Renovation funding | Up to 100% of the rehab budget, released in inspected draws |
| After-repair cap | Total loan up to about 75% of ARV |
| Interest rate | From 9.99%, interest-only |
| Points and term | Roughly 1.5-3 points; 6-18 months with extension options |
| Minimum credit | 620 – no income verification or tax returns |
| Eligible collateral | 1-4 unit residential, condos, townhomes, small multifamily, mixed-use and land for new builds |
| Loan size | $75,000 to $20 million+ |
| Borrower type | LLC, corporation or individual; foreign nationals and first-timers welcome |
One Florida lender for every stage of the deal
Fix and Flip Loans
Buy, renovate and sell with up to 95% of purchase and 100% of rehab on interest-only payments.
Bridge Loans
Short-term capital to acquire or reposition a property while you arrange permanent financing.
Construction Loans
Land and vertical build costs for spec homes and infill lots, funded as construction milestones are met.
Cash-Out Refinance
Turn equity in a Florida investment property into capital for your next acquisition or renovation.
DSCR Rental Loans
30-year financing that qualifies on the property’s rent, ideal as the exit for a finished flip.
Multifamily and Mixed-Use
2-4 unit and mixed-use value-add deals underwritten on the asset, not personal income.
From contract to closing in four steps
Send your deal
Share the address, contract price, scope of work and expected ARV.
Get your term sheet
We review the numbers and return a clear offer, often within one business day.
Close fast
Appraisal, title and closing move in parallel so you can fund in as few as 5 days.
Draw and exit
Pull rehab draws as work is completed, then sell or refinance into a DSCR loan.
Built for speed, leverage and repeat deals
Cash-like speed
Submit clean and close quickly, so sellers treat your offer like cash and you lock in discounted properties first.
Low cash to close
High leverage on the purchase leaves your capital available for carrying costs and your next Florida acquisition.
Rehab included
Renovation dollars are part of the loan, released by draw, so scope changes never stall the project.
Deal-first underwriting
Self-employed, foreign-national and newer investors are judged on the property and the business plan.
Scale without friction
Repeat borrowers keep a proven process, making it realistic to run several renovations at once.
Built-in exit plan
Sell, or refinance into a DSCR rental loan with the same lender and keep the property long term.
What Florida investors should watch
The market has moved from rapid appreciation to a steadier, more selective pace. That favors investors who buy at the right basis, budget realistic holding costs and move quickly.
Demand drivers
Steady in-migration, no state income tax, a large tourism sector and growing corporate relocations keep renter and buyer demand deep across the state.
Cost pressures
Homeowners insurance, property taxes and hurricane-related repairs can reshape margins, so underwrite them into every rehab and holding budget.
Investor edge
More inventory and longer listing times create negotiating room for buyers who can close fast with hard money and finish renovations on schedule.
Market commentary is general, changes over time and varies by county, neighborhood and property. It is not a forecast or a guarantee.
Top 15 Florida cities for hard money financing
The property types investors buy and the residential pockets where deals often work in each market.
Tampa
Property mixBlock and ranch homes, bungalows, townhomes, small multifamily
Investor pocketsSeminole Heights, Tampa Heights, West Tampa, Sulphur Springs, Brandon, Riverview
Popular loansFix and flip, BRRRR, DSCR refi
Orlando
Property mixSingle-family, townhomes, condos, vacation homes near the parks
Investor pocketsConway, Azalea Park, Pine Hills, Orlo Vista, MetroWest, Lake Nona
Popular loansFlips, short-term rentals, DSCR refi
Jacksonville
Property mixBlock single-family, duplexes to fourplexes, beach-area homes
Investor pocketsSpringfield, Murray Hill, Riverside, Arlington, Westside, Mandarin, Jax Beach
Popular loansFlips, buy-and-hold, small multifamily
Miami
Property mixCondos, single-family, 2-4 unit buildings, mixed-use
Investor pocketsLittle Havana, Allapattah, Coconut Grove, Westchester, Kendall, Homestead
Popular loansExperienced-investor flips, value-add
Fort Lauderdale
Property mixSingle-family, townhomes, condos, canal and waterfront homes
Investor pocketsVictoria Park, Wilton Manors, Oakland Park, Dania Beach, Lauderhill, Sunrise
Popular loansWaterfront rehab, flips, bridge
St. Petersburg
Property mixMid-century bungalows and block homes, townhomes, small multifamily
Investor pocketsHistoric Kenwood, Crescent Lake, Old Northeast, Grand Central, Lakewood Estates
Popular loansBungalow flips, DSCR refi
Lakeland
Property mixSingle-family, townhomes, small multifamily, infill builds
Investor pocketsDixieland, Lake Morton, Lake Hollingsworth, Lakeland Highlands, Winter Haven
Popular loansValue-add flips, rental conversions
Ocala
Property mixSingle-family, acreage and horse properties, 55+ homes
Investor pocketsDowntown historic district, Silver Springs Shores, Marion Oaks, Belleview
Popular loansLow-basis flips, buy-and-hold
Sarasota
Property mixSingle-family, duplexes, condos, beach-area homes
Investor pocketsGulf Gate, Laurel Park, Newtown, Alta Vista, Southgate, Siesta Key
Popular loansFlips, bridge, vacation rentals
Fort Myers
Property mixBlock single-family, condos, small multifamily, canal-area homes
Investor pocketsDunbar, Tice, McGregor corridor, Whiskey Creek, San Carlos Park, Lehigh Acres
Popular loansFlips, rental conversions
Cape Coral
Property mixCanal-front homes, duplexes, infill lots, new construction
Investor pocketsSouthwest Cape, Southeast Cape, Northwest Cape lots, Pelican, Parkway corridor
Popular loansGround-up builds, canal rehab
Gainesville
Property mixStudent rentals, single-family, duplexes and fourplexes
Investor pocketsDuckpond, Springhill, Millhopper, Northwest and Southwest Gainesville, Haile Plantation
Popular loansStudent-rental value-add, DSCR refi
West Palm Beach
Property mixSingle-family, condos, townhomes, duplexes, small multifamily
Investor pocketsNorthwood, Flamingo Park, El Cid, Grandview Heights, Pleasant City, Southland Park
Popular loansHigher-price rehab, flips, bridge
Tallahassee
Property mixStudent and workforce rentals, single-family, duplexes
Investor pocketsFrenchtown, Midtown, Myers Park, Lake Ella, Southwood, Killearn
Popular loansRental value-add, DSCR refi
Pensacola
Property mixHistoric bungalows, single-family, duplexes, beach condos
Investor pocketsEast Hill, North Hill, Cordova Park, Brownsville, Ferry Pass, Perdido Key
Popular loansFlips, buy-and-hold, vacation rentals
We lend all over Florida, from the Panhandle to the Keys. If your city isn’t listed, contact us or call (800) 826-5077.
Neighborhoods and property types are general examples, not recommendations or a guarantee of financing. Verify values and demand with local comps and your loan officer.
Sample Florida flip with 95% LTC and full rehab funding
An illustrative Central Florida fix and flip showing how leverage keeps the cash you invest low.
| Purchase price | $260,000 |
|---|---|
| Purchase loan at 95% LTC | $247,000 (down payment $13,000) |
| Renovation budget, funded in draws | $70,000 |
| After-repair value (ARV) | $430,000 |
| Total loan vs. ARV | $317,000 (about 74% of ARV) |
| Interest, 10.5% interest-only for 6 months | − $16,642 |
| Lender points (2%) | − $6,340 |
| Sale costs (6.5% of ARV) | − $27,950 |
| Estimated net profit | ≈ $49,068 |
| Cash invested (down + points + reserves) | ≈ $23,340 |
| Estimated return on cash | ≈ 210% |
Illustration only, not an offer or a guarantee. Purchase, rehab, ARV, rate, points, insurance, taxes and sale costs vary by property, market, experience and program. High leverage magnifies both gains and losses. Business-purpose, non-owner-occupied only. Consult your CPA.
Florida hard money loan calculator
Estimate only. Assumes 100% of rehab financed, 2 points, $4,000 reserves and 6.5% sale costs. Confirm figures with your loan officer.
Florida hard money loan FAQ
How quickly can a Florida hard money loan close?
With a clear title, a complete deal package and a responsive borrower, most files fund in 5-10 business days. Because approval rests on the property and the plan rather than your income, there is no paystub or tax-return review to wait on.
How much will you lend on a fix and flip in Florida?
Experienced investors can borrow up to 95% of the purchase price and up to 100% of the renovation budget, provided the total loan stays within roughly 75% of the after-repair value.
What credit score and paperwork do you need?
A 620 minimum credit score. No income verification and no tax returns. We review the contract, scope of work, ARV comps and your track record. Foreign nationals and first-time investors are welcome.
What do rates, points and terms look like?
Rates start at 9.99% interest-only, with about 1.5-3 points and 6-18 month terms depending on leverage, experience and the deal. Most programs have no prepayment penalty, so you can sell or refinance the day you are ready.
How do renovation draws work?
We fund the rehab budget in stages. As each phase of work is completed and inspected, we release the next draw, so you front less cash while the lender confirms progress.
Can I refinance a flip into a long-term rental?
Yes. When the renovation is done, you can move the property into a 30-year DSCR rental loan that qualifies on the rent the property earns, so the same lender can carry the deal from purchase to long-term hold.
Which Florida properties and borrowers qualify?
Business-purpose, non-owner-occupied investments: 1-4 unit residential, condos, townhomes, small multifamily, mixed-use and land for ground-up construction, held in an LLC, corporation or your own name.
Do you fund short-term and vacation rentals?
Yes. Orlando-area vacation homes, Gulf Coast beach properties and Panhandle rentals can be purchased or renovated with hard money, then refinanced into a DSCR loan to keep long term.
Ready to fund your next Florida deal?
Send the property details and get real terms fast. Investor financing only: LLC closings, foreign nationals and first-time investors welcome, loans from $75,000 to $20 million+.
Get a Free Florida Hard Money Quote
Rates, LTCs, ARVs, returns and terms are illustrative, 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.