100% Fix and Flip Financing in Florida
Up to 100% of the purchase and up to 100% of the rehab on qualifying projects — here is who qualifies and how it works.
Apply NowWhat 100% financing means
With 100% fix and flip financing the loan covers the full purchase price of the property, and on qualifying projects the rehab budget as well. Instead of tying up your cash in a down payment for months, you keep it available for the next deal.
Who qualifies for 0% down
- Experienced investors: three flips in the past three years can qualify for 100% purchase financing, and in some cases repair money too.
- Investors building a track record: after three completed flips, financing can reach 0% down.
- New investors: start with 20% down plus closing costs — see fix and flip loans for beginners.
Why the after-repair value decides how much you get
Every loan is capped at 75% of the after-repair value (ARV). That cap is what decides whether a deal can be financed at 100%.
Example that fits: purchase price $200,000, rehab budget $60,000, ARV $400,000. 75% of the ARV is $300,000 — more than the $260,000 of purchase and rehab — so the whole project fits inside the limit.
Example that does not: same purchase and rehab, but an ARV of $320,000. 75% of the ARV is $240,000, so the loan is $20,000 short of the $260,000 project and the investor brings that difference.
Run your own numbers with our fix and flip loan calculator.
What you still pay with 100% financing
- Closing costs and title fees (title fees are additional to the loan)
- About 1% of the purchase price for property taxes and 1% for insurance while you hold the property — our recommended reserve
- Any part of the project above the 75% of ARV limit
Every estimate is subject to final underwriting. For pricing see fix and flip loan rates and costs.
The rest of the program
- 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 to get your loan
More reading: fix and flip loans in Florida, hard money lending in Florida and the Florida fix and flip loan requirements.
Frequently Asked Questions
Can I really get a fix and flip loan with 0% down?
Yes, on qualifying projects. Investors with three completed flips can reach 0% down, and investors with three flips in the past three years can get 100% purchase financing.
Is the rehab included in 100% financing?
Up to 100% of the rehab can be financed on qualifying projects, and in some cases repair money is included for experienced investors.
What limits a 100% loan?
The total loan cannot go above 75% of the after-repair value, so the deal itself has to leave room for full financing.
Do I still need cash at closing?
Yes, for closing costs and title fees, and we recommend reserving about 1% of the price for taxes and 1% for insurance.
I have never flipped a house. Can I get 100%?
First-time investors start with 20% down plus closing costs. After three completed flips, financing can reach 100%.
Do you check my credit or income?
No credit requirement and no employment verification — no tax returns and no W-2s.
Is there an appraisal?
No. The property is valued in-house.
How fast can I close?
Typically in 8–15 days once the file is approved.
See if your deal qualifies for 100% financing.
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.