Close as fast as 3 days with no appraisal and get up to 90% financing.
Florida Fix and Flip Loan Requirements
Here are the loan terms for fix and flip financing in Florida:
| Credit score | Minimum 680 |
| Loan amount | $100,000 or more |
| Purchase financing | Up to 90% LTC |
| Rehab financing | Up to 100% |
| After-repair value | Up to 75% ARV |
| Interest rates | Starting at 9% |
| Loan terms | 6 or 12 months |
See How Much You Qualify For
FAQs About Fix and Flip Loans in Florida
Get quick answers to common questions about fix and flip financing.
What types of properties qualify for a fix and flip loan?
House flipping loans can be used for 1-4 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.
What’s the minimum loan amount?
The minimum loan amount is $100,000.
What’s the minimum credit score?
A minimum credit score of 680 is required.
Is flipping experience required?
No previous experience is required, but experienced investors with at least 5 completed flips can get up to 90% LTC.
Do you work with first-time investors?
Yes, first-time investors can get up to 85% financing.
How fast can you close?
Closings can be completed in as little as 3 days.
Is it hard to get a loan to flip a house in Florida?
No, as long as your purchase price and rehab costs are within 70% ARV.
Is there a prepayment penalty?
There are no prepayment penalties.
What documents are required?
A legally registered business is required, along with these documents:
- Driver’s License or State ID
- Articles of Organization
- LLC Operating Agreement
- EIN Letter
Get Pre-Approval Today
Ready to move forward with your fix and flip project? Complete the form to request a personalized quote and secure the financing you need.
- No appraisal required
- Secure up to 90% financing
- Close as fast as 3 days
Whether you’re a seasoned investor or flipping for the first time, having an experienced financial partner can make all the difference.
Request a Loan Quote
Our Service Areas
Although “the Sunshine State” has many great cities and towns, Capital Ton’s expertise is focused on these select locations.
- Miami
- Jacksonville
- Tampa
- Orlando
- Sarasota
- Bradenton
- St. Petersburg
- Fort Lauderdale
- Clearwater
- Fort Myers
- Port St. Lucie
- Hollywood
- Gainesville
- Tallahassee
- Cape Coral
- Boca Raton
- Deerfield Beach
- Hialeah
- Pembroke Pines
- Miramar
- Coral Springs
- Palm Bay
- West Palm Beach
- Lakeland
- Pompano Beach
- Davie
- Boynton Beach
- Delray Beach
- Sunrise
- Plantation
- Deltona
- Palm Coast
- Largo
- Melbourne
- Homestead
- Kissimmee
- North Port
- Lauderhill
- Daytona Beach
- Tamarac
- Lauderhill
- Weston
- Ocala
- Wellington
- Sanford
- Port Orange
- Palm Beach
- Margate
- Coconut Creek
- Pensacola
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 26 states, offering tailored financing solutions for fix and flip projects and rental properties. Capital Ton simplifies the lending process, while delivering competitive loan options and maintaining a commitment to transparency and integrity.