Fix and Flip Loans in Florida

Choose a fix and flip loan option that’s right for you.

Fast Close

Close in as little as 2 days with minimal paperwork. 680+ credit score required.

  • Interest Rate: 10.9%
  • No appraisal
  • No prepayment penalty
  • Close as fast as 2 days

Low Rate

This fix and flip loan program has lower interest rates. 700+ credit score required.

  • Interest Rate: 9.25%+
  • No appraisal
  • No prepayment penalty
  • Close as fast as 10 days

No Credit Check

No credit check fix and flip loans for real estate investors with bad credit.

  • Interest Rate: 12.5%
  • No appraisal
  • Prepayment penalty varies
  • Close as fast as 2 days

Fix and Flip Loans (FL)

Real estate investors qualify for fix and flip loans based on purchase price, rehab costs and ARV, not personal income.

Purchase financing Up to 90% LTC
Rehab financing Up to 100%
After-repair value Up to 75% ARV
Loan amount Minimum $100,000
Interest rate Start at 9.25%
Credit score Minimum 680
Terms 6, 12, 18 and 24 months

Speak with a Fix & Flip Loan Advisor

    • Compare lending options
    • Get proof of funds today
    • See how much you qualify for
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Minimum Documentation for Florida Fix and Flip Loans

To close as fast as 2 days, Capital Ton LLC specializes in low-doc and no-doc fix and flip loans in Florida. We do not need tax returns, W-2’s or personal income.

  • Driver’s License or State ID
  • Articles of Organization
  • LLC Operating Agreement
  • EIN Letter
  • Certificate of Status

Minimum Credit Score for Fix and Flip Funding in Florida

There is no minimum credit score requirement for Florida fix and flip loans. However, real estate investors with higher credit scores get you the best loan terms and most competitive interest rates.

Business Entity Required

Since these are business purpose loans, a legally registered business is required for fix and flip funding. If you haven’t already filed, please register a new LLC in the state of Florida.

Call a Fix and Flip Loans Specialist Today

Is flipping experience required?

No previous experience is required to get a loan for flipping houses in Florida. However, flip experience can help you get you higher leverage and lower costs.

How fast can you close?

You can close in as little as 2 days after you submit the loan application, business entity docs, rehab budget and property photos.

Does Capital Ton LLC work with first-time investors?

Yes, first-time real estate investors can qualify for up to 90% financing for fix and flips in Florida with no experience.

Does rehab cost financing incur interest?

Unlike our competitors, you will not be charged interest on rehab costs until you submit a rehab draw request.

Is an appraisal required for fix and flip loans?

No, Capital Ton LLC does not require an appraisal for any of the loans mentioned.

Is it hard to get a loan to flip a house in Florida?

As long as the purchase price, rehab costs and ARV make sense, it is not hard to get pre-approved with Capital Ton LLC.

Do any of the fix and flip loans have prepayment penalties?

There are no prepayment penalties on any fix and flip loans in Florida except for 6 month no credit check loan program.

Cities with highest approval odds for fix and flip lending:

While there are opportunities everywhere, the best cities for flipping houses with the highest approval odds are Miami, Fort Lauderdale, Orlando, Tampa, St. Petersburg, Clearwater, Jacksonville, Fort Myers and Sarasota.

Call (813) 303-0808 to learn more about your lending options with Capital Ton LLC.

Capital Ton Reviews





Just closed on a fix and flip loan in Tampa. Very kind people. No problems.

Alberto R.
Google Review





My husband and I bought a fix and flip in Miami! Eugene send us a proof of funds and we got approved the same day.

Adriana S.
Google Review





We got a proof of funds very quickly to bid on our project and won the contract the next day.

Mary W.
Google Review