Hard Money Lenders in Jacksonville
Fix and flip and fix and hold financing for real estate investors in Jacksonville and across Duval County.
Apply NowFix and flip loans in Jacksonville
Commercial Loans Florida finances investors who buy, renovate and sell — or renovate and rent — properties in Jacksonville and the rest of Duval County, including Riverside, Avondale, Springfield, Murray Hill, Arlington and Orange Park. We review Jacksonville deals the same way we review every Florida file: the property and the numbers come first.
The program is the same one we offer across Florida: the purchase and the rehab financed together, the loan based on the property and the deal rather than on your income, and a decision made in-house.
- 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 we look at a Jacksonville deal
Every loan is capped at 75% of the after-repair value. For a Jacksonville project that means we look at what renovated homes on the same streets have actually sold for, the purchase price, and the rehab budget it takes to get there. The more value the renovation creates, the more room the deal has — and the closer it gets to full financing.
New investors start with 20% down plus closing costs. After three completed flips, financing can reach 0% down, and investors with three flips in the past three years can get 100% purchase financing. Read about 100% fix and flip financing or fix and flip loans for beginners.
Before you make an offer in Jacksonville
- Check recent sales of renovated homes nearby to set a realistic after-repair value
- Price the rehab and keep a contingency for surprises
- Confirm permits for the work with the local building department in Duval County
- Budget holding costs: we recommend about 1% of the price for taxes and 1% for insurance
- Run the numbers in our fix and flip calculator
How to get your loan
We also lend in other Florida markets: 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. Program details: fix and flip loans in Florida and fix and flip loan rates and costs.
Frequently Asked Questions
Do you make hard money loans in Jacksonville?
Yes. We finance fix and flip and fix and hold projects in Jacksonville and across Duval County.
How much can I borrow?
Up to 100% of the purchase and up to 100% of the rehab on qualifying projects, capped at 75% of the after-repair value. The minimum loan is $100,000.
Do you need an appraisal?
No. The property is valued in-house.
Do you check credit or income?
There is no credit requirement and no employment verification — no tax returns, no W-2s.
Can a first-time investor get a loan?
Yes. No experience is required; new investors start with 20% down plus closing costs.
How fast can you close in Jacksonville?
Typically in 8–15 days once the file is approved.
What does the loan cost?
Pricing depends on the deal, your experience and the loan size. Title fees are additional. Call (727) 642-1166 for a quote.
Do you work with brokers?
Yes. Brokers are welcome and their clients stay theirs.
Have a Jacksonville deal? 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.