Florida Fix and Flip Loans, Rehab & New Construction Mortgage Lenders
Looking for Florida fix and flip lenders, rehab loans, or new construction financing? Our Florida mortgage brokerage helps real estate investors, builders, and property developers explore private money, hard money, and business-purpose mortgage financing for residential and commercial investment projects throughout Florida, including Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa, and Jacksonville.
Our Florida fix-and-flip mortgage lenders offer financing to buy distressed properties, renovate investment homes, complete unfinished construction, and build new properties from the ground up. Available loan programs may finance property acquisition, rehabilitation costs, and construction expenses, with underwriting based on factors such as property value, after-repair value (ARV), project budget, borrower experience, and exit strategy.
Whether you need a Florida fix-and-flip loan, cash-out rehab refinance, ground-up construction loan, or short-term bridge financing, we can help you compare available financing programs. Loan amounts, credit requirements, down payments, and funding timelines vary by lender and project.
Call 954-667-9110 to discuss your Florida real estate investment financing options.
Feature |
Fix and Flip Loan |
Rehab Loan (Renovation) |
New Construction Loan |
|---|---|---|---|
| Core Purpose | Buy a distressed property, fix it quickly, and sell/flip it. | Upgrade or remodel an existing home you or an investor own/live in. | Build a home from the ground up (vertical or lot development). |
| Collateral | Existing building (underwritten on After-Repair Value – ARV). | Existing home/structure (often tied to current or future value). | Raw land plus the planned vertical construction. |
| Timeframe | Short-term (typically 6 to 18 months). | Short- to medium-term (varies by scope). | Medium- to long-term (typically 12 to 24 months). |
| Draws / Payouts | Funds released in stages tied to renovation milestones. | Released in draws as contractor completes repairs. | Staged financing based on construction milestones and permits. |
• Florida Fix and Flip Loan:
• Florida Rehab Loan:
• Florida New Construction Loan:
Fix and Flip Florida Mortgage Lenders
• What it is: A short-term loan used to purchase an existing, standing structure and pay for cosmetic or moderate renovations before selling it quickly for a profit (usually within 6 to 18 months).
• How it works: Lenders underwrite the deal based on the existing house, the purchase price, the rehab budget, and the projected After-Repair Value (ARV).
• Collateral: A real, physical building that can be appraised and compared against nearby sales right away.
- Rehab Loan (The Financing): A short-term loan (often a hard money or bridge loan) specifically designed to provide the capital for both purchasing the property and paying for the construction/renovation costs.
Rehab Florida Mortgage Lenders:
Rehab mortgages combine the cost of buying or refinancing a home with the budget needed for repairs or remodeling into a single loan.
A rehab loan combines the purchase cost and renovation capital into a single short-term loan. Florida investors use rehab loans to buy distressed or underperforming investments, fund renovations, and either sell (fix-and-flip) or refinance into a long-term DSCR loan once the property is stabilized (BRRRR). Our Florida Rehab business purpose loans qualify based on the property’s value and exit strategy, not personal income documents.
Fix & Flip Florida Mortgage Lenders
Florida: Fix & Flip mortgage lenders offer up to 93% LTC/75% LTV for fix & flip loans, and up to 90% LTC/75% LTV for bridge and new construction loans. Lending statewide, including Miami and Orlando.
For Florida real estate investors looking to capitalize on Florida real estate opportunities, our Florida mortgage lenders offer new construction and fix-and-flip projects.
Our unique approach offers fast, simple, and reliable fix-and-flip Florida mortgage lending for real estate investors, regardless of experience or strategy, looking for Florida hard money loans. We take pride in providing an unparalleled level of customer experience focused on helping our borrowers win good deals and reach their goals.
Florida Rehab loans cover purchase AND renovation in a single loan. Draw-based funding means you deploy capital as work progresses—not sitting idle waiting for a refi.
- Purchase price + Fix and Flip renovation budget financed together
- Draw-based funding as rehab milestones are completed
- Single-family, multi-family, and small commercial properties
- Close in LLC or personal name — no personal income docs required
- Fast closings — move on deals before the competition does
New Construction Florida Mortgage Lenders
- What it is: A financing facility designed for ground-up development, major rebuilds, or adding significant new square footage from scratch (such as building on vacant land).
- How it works: Florida lenders must work from blueprints, architectural plans, zoning permits, a construction budget, and land value rather than an existing home.
- Collateral & Draw Structure: Funds are released in staged draws tied to major building milestones and inspections over a longer timeline (often 12 to 24+ months). The project must pass independent tests against both total construction cost and finished market value.
New Construction Florida Loan Terms
Our Florida Easy Build mortgage lenders’ loan terms help real estate investors finance land acquisition and construction costs while maintaining predictable timelines and protecting projected profit margins.
| Same-Day Term Sheet | Loans from $100K – $5M+ | 9-24 Months with Extension |
| Fastest draw process 48 Hours | 680 FICO Minimum | Fair Rates |
These are strong FAQ candidates for the page. They are suggested search-intent targets, not verified monthly search-volume rankings.
Can I get a fix and flip loan in Florida with bad credit?
Some private and hard money lenders consider borrowers with lower credit scores when the investment property has sufficient value, a feasible renovation budget, and a credible exit strategy. Credit requirements vary by program.
Can I finance 100% of a fix and flip project in Florida?
Some lenders offer high-leverage financing, but 100% financing is not standard. Additional equity or cross-collateral may be required, and borrowers may still need cash for closing costs, reserves, or repairs.
Do Florida fix and flip lenders use ARV?
Many lenders consider after-repair value (ARV), which is the estimated market value of a property after planned renovations. They may also impose separate loan-to-cost and purchase-price limits.
Can an LLC qualify for a Florida fix and flip loan?
Yes. Many business-purpose real estate investment lenders accept LLC borrowers, subject to ownership verification, guarantees, project review, and other underwriting requirements.
Can I refinance an unfinished construction project in Florida?
Some private lenders offer completion or construction bridge loans for partially finished projects. They typically review existing liens, remaining construction costs, permits, inspections, and the property’s expected completed value.
Other useful questions include: How fast can I close? Do I need previous flipping experience? Can I finance a duplex or fourplex? Are rehab funds released in draws? Can I refinance into a DSCR loan after renovations? Can I use equity in another property instead of a down payment?
