Fix and Flip Loans in Florida
Purchase and rehab financing for real estate investors — no appraisal, no W-2s, closings in 8–15 days.
Apply NowWhat a Florida fix and flip loan covers
A fix and flip loan is short-term financing for buying a property that needs work, renovating it and then selling it — or keeping it as a rental once the work is done. Commercial Loans Florida finances both parts of the project: the purchase of the property and the rehab budget that turns it into a home buyers want.
Because the loan is based on the property and the deal rather than on your paycheck, investors use it when a bank would ask for tax returns, W-2s and weeks of paperwork. Here is the program in short:
- Up to 100% purchase financing and up to 100% rehab financing on qualifying fix and flip projects in select markets
- Loans sized to a maximum of 75% of the after-repair value (ARV)
- Your credit score does not decide the loan — no credit requirement
- No employment verification: no tax returns, no W-2s
- No appraisal — the property is valued in-house
- No experience required to get started
- Closings in 8–15 days
- $100,000 minimum loan amount
How the loan is sized
Every loan is limited to 75% of the after-repair value (ARV) — the value the property is expected to have once the renovation is finished. If a home is expected to be worth $400,000 after repairs, the total loan for purchase and rehab cannot go above $300,000. The more value your renovation creates, the more room the deal has.
New investors start with 20% down plus closing costs. After three completed flips, financing can reach 0% down — 100% of the purchase — and in some cases include the repair money. Investors with three flips in the past three years can get 100% purchase financing. Read more about 100% fix and flip financing and about fix and flip loans for beginners.
Who we finance
First-time flippers
No experience required. Start with 20% down plus closing costs — see <a href="/fix-and-flip-loans-for-beginners">loans for beginners</a>.
Experienced investors
Three flips in the past three years opens the door to 100% purchase financing — see <a href="/zero-down-fix-and-flip-loans">100% financing</a>.
Fix and hold
Planning to rent the property after the renovation? Purchase and rehab financing works for hold projects too.
Brokers
Bring your investor clients — your clients stay yours.
How to get your loan
Costs to plan for
Interest and points are priced for each file and depend on your experience, the deal and the loan size — see fix and flip loan rates and costs. Title fees are additional, and we recommend setting aside about 1% of the purchase price for property taxes and 1% for insurance while you hold the property. Every estimate is subject to final underwriting.
Where we lend in Florida
We have served Florida real estate investors since 2014, with deep roots in Miami, Tampa and Orlando, and we lend across the state: hard money lenders in Tampa, hard money lenders in St. Petersburg, hard money lenders in Orlando, hard money lenders in Jacksonville, hard money lenders in Miami. Want the bigger picture first? Read our 2026 investor guide to fix and flip financing, the Florida fix and flip loan requirements and how to qualify for a Florida fix and flip loan.
Frequently Asked Questions
What is a fix and flip loan?
It is short-term financing that covers the purchase of a property that needs work and the cost of renovating it, so you can sell it or rent it once the work is done.
How much can I borrow?
Up to 100% of the purchase and up to 100% of the rehab on qualifying projects, with the total loan capped at 75% of the after-repair value. The minimum loan amount is $100,000.
Do I need good credit?
No. Your credit score does not decide the loan — the property and the numbers of the deal do.
Do you need my tax returns or W-2s?
No. There is no employment verification: no tax returns and no W-2s.
Is an appraisal required?
No. We value the property in-house, so there is no outside appraisal to order or wait for.
How fast can I close?
Closings typically take 8–15 days once the file is approved.
Can I get a loan for my first flip?
Yes. No experience is required. New investors start with 20% down plus closing costs, and financing can reach 100% after three completed flips.
What does the loan cost?
Pricing depends on your experience, the deal and the loan size. Title fees are additional and every estimate is subject to final underwriting. Call (727) 642-1166 for a quote on your deal.
Have a deal under contract? Send it to us today.
Apply NowCommercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. All loans are subject to final underwriting; title fees are additional.