Fix & Flip Loans for Florida Real Estate Investors
Private money for non-owner-occupied 1–4 unit residential properties being acquired, renovated, and resold in Florida.
Built for investors who need fast execution, clear property fit, and financing that supports value-add residential projects with a defined resale plan.
Fix-and-flip investors often need:
- Faster acquisition speed
- Financing that fits value-add properties
- A lender that understands distressed or outdated residential assets
- Clarity on what qualifies before wasting time
This program is built for:
- Acquiring residential investment properties
- Funding properties being improved for resale
- Handling deals that may not align with conventional financing
- Investors who need speed, clarity, and project-fit lending
Common investor situations this program solves
Acquiring an outdated house where speed matters before another buyer steps in.
Purchasing a distressed residential property that needs renovation before resale.
Controlling a value-add property that would be difficult to finance conventionally in current condition.
Moving quickly on a residential deal with a clear rehab and resale plan.
Financing a project where execution timing affects margin and exit.
What projects fit
- Outdated single-family homes
- Distressed residential properties with value-add upside
- Vacant homes needing cosmetic or moderate rehab
- Duplexes, triplexes, and fourplexes within the lending box
- Investor acquisitions with a clear renovation-and-resale plan
All projects must fit our Florida residential investor lending box.
What usually does not fit
- Owner-occupied properties
- Land
- Commercial or industrial properties
- Large multifamily
- Projects outside the Florida 1–4 unit residential box
- Deals without a clear flip strategy
A narrow lending box creates clearer expectations and less wasted time.
Who this program is for
Florida real estate investors
Value-add operators
Borrowers acquiring non-owner-occupied residential properties for resale
Investors who need a clearer fit than conventional lending provides
Why conventional financing often falls short
Property condition limits options
Distressed or outdated properties often fail to meet strict retail mortgage standards.
Timelines require faster execution
Investor timelines and competitive acquisitions often require faster execution than banks can provide.
Value-add needs lender fit
Value-add acquisitions need a lender who understands the strategy, not just generic approval language.
Execution over price
Private money is often about reliable execution and securing the deal, not just finding the lowest headline rate.
How fix & flip differs from our other loan programs
Fix & Flip Loans
For acquire-renovate-resell projects.
Bridge Loans
For speed and short-term transition.
Transitional Rental Loans
For buy-improve-stabilize-refinance strategies.
A straightforward lending process
Submit your deal
Share the property, project, and resale strategy so we can review initial fit.
We review project and property fit
If the deal aligns with our Florida residential lending box, we review the opportunity and next-step path.
Move toward terms and next steps
If the project fits, we move toward a clearer discussion of structure, process, and execution.
Our Florida lending box
Clear criteria. Straight answers. Investor-focused lending.
Florida-only focus
We only lend in the state we know.
Investor-only residential
No consumer mortgages. Strictly business purpose.
Clear buy box
You'll know exactly what we fund and what we don't.
Built for fix-and-flip
We understand value-add timelines and execution.
No vague positioning
We don't pretend to fund every asset class.
Straightforward next steps
A clear process from submission to funding.
Fix & Flip FAQs
Have a Florida fix-and-flip deal to review?
If your property and project fit our Florida residential investor lending box, submit the deal and we'll review fit and next steps.