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Florida Fix and Flip Lenders
Are you flipping residential properties in Florida? On this page you'll find a list of fix and flip lenders throughout the Sunshine State. Fix & flip lending is only for residential properties with 1-4 units. We have a separate page for lenders that offer rehab/value-add financing for other property types. The maximum loan-to-after repair value (LTARV) for most lenders in Florida is 70%. You typically need some cash for the purchase (15%-20%) and some cash reserves.
Florida is such a big state, and many lenders only consider properties in particular metro areas. Select a region to filter the lender list:
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Malve Capital LLC
Fast And Easy Real Estate Loans with High Leverage. Closing as fast as 5 business days, subject to clear title.
Aggressive Pricing & Excellent Service for Bridge, Rehab, Rental, Construction Loans
Equity Lending Solutions LLC
Helping Real Estate Professionals Close More Deals | Leading Direct Lender
Funded Fix & Flip Loans in Florida
Waterfront SFR Fix and Flip in the Florida Panhandle
Navigator Private Capital, a nationwide private real estate lender, funded a $1,530,000 fix and flip loan for a single-family residence in Panama City, Florida. Our clients found this neglected fixer-upper and were able to envision all that it could become. Looking past its current condition, they recognized the enormous potential in its size and layout. With a purchase price of $1,200,000 and a repair budget of $450,000, this six-bedroom, seven-bathroom home was renovated from top to bottom. Navigator Private Capital funded 100% of the renovation budget and financed 90% of the purchase price in first lien position, while the Borrower contributed 10% cash. The loan-to-after-repair value was 68% and the after-repair value (ARV) was estimated to be $2,225,000. The Borrower had an excellent credit rating and plans to sell the property after rehab, within the 12-month loan term.
This gorgeous waterfront location in a protected cove with easy access to the Intracoastal Waterway and the Gulf of Mexico boasted over 5,500 square feet of fully modernized space. This beauty had plenty of room for a family (or two) to spread out, with outstanding water views from nearly every room. It’s an entertainer’s dream, but the transformation doesn’t stop on the inside- get ready for backyard entertainment as well with a private pool, a dedicated boat dock, and an outdoor kitchen. This SFR fix and flip loan was funded in March 2022.
PURCHASE PRICE: $470,000
REHAB BUDGET: $88,000
AFTER-REPAIR VALUE (ARV): $720,000
LOAN-TO-COST (LTC): 83%
This i Fund Cities client is a successful fix and flip investor doing beautiful remodels in a cool beach town on the eastern Florida coast. The company was reaching their loan capacity with their current private lender. They needed a new lender option that would allow them to keep their business growing and thriving. The client found i Fund Cities through Instagram. When they called and told us about their goals, and showed us the work that had done, we were able to provide them funding to complete two of their projects.
The KEY LOAN BENEFIT to the borrower was that not only did we help them complete their current projects, we are excited to grow with them by allowing them to originate loans with us up to $25 million. (Now, there’s a sunny growth curve!)
A team of real estate investors were looking for the funds to purchase and renovate this single-family home in Century, a town in Escambia County, Florida. RCN Capital was able to provide 80% of the purchase price and 100% of the renovation costs. The loan term was 12 months. The total rehab costs are $60,000. Upon completion, the property will have an appraised after-repair value of $200,000. The investors anticipate a 14% return on investment once complete and the property is sold.