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(813) 303-0808

Fix and Flip Loans Sarasota

Rehab Bridge Loan to Flip Houses

Purchase, rehab and flip houses using hard money without ordering appraisals. Secure up to 100% financing on rehab costs when flipping residential investment properties in Sarasota.

  • No appraisal
  • No experience required
  • Pre-approval within 24 hours

Close in 5-7 days and get up to 90% financing.

Sarasota Fix and Flip Loan Requirements

Here’s how to qualify for fix and flip financing in Sarasota:

Eligible Property Types

1-4 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.

Minimum Loan Amount

$100,000+

Previous Experience

No previous experience is required unless changing the number of bedrooms, expanding square footage, or needing more than $75,000 for rehab costs.

Max 70% ARV

The total project cost including the purchase price and rehab costs should not exceed 70% ARV.

Required Documentation

Documents required to qualify for a house flipping loan.

Minimum Down Payment

Minimum 10% down payment.

Minimum Credit Score

680+

Fix and Flip Loan Terms

No appraisal fix and flip loans for real estate investors to flip houses in Sarasota without relying on personal income.

Minimum credit score 680+
Minimum loan amount $100,000+
Purchase financing Up to 90% LTC
Rehab financing Up to 100%
After-repair value Up to 70% ARV
Interest rates Starting at 8%
Loan terms 6 or 12 months

See How Much You Qualify For

  • Secure up to 90% financing
  • Get loan approval within 24 hours
  • Close as fast as 5 days
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FAQs About Fix and Flip Loans in Sarasota

Do you work with new investors?

Yes, first-time investors can qualify for up to 85% financing.

What are the requirements for a 90% LTC fix and flip loan?

Investors with at least 5 completed flips in the last 3 years qualify for up to 90% LTC.

Is there a minimum loan amount?

The minimum loan amount is $100,000.

Is there a minimum credit score?

The minimum credit score is 680+

How fast can you close?

If title work is completed, you can close in as fast as 3 days, otherwise 5-7 days.

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

No, as long as your purchase price and rehab costs do not exceed 70% ARV.

Is there a prepayment penalty?

There are no prepayment penalties.

Can I extend my bridge loan?

Yes, you can extend or potentially refinance with another bridge loan.

See How Much You Qualify For

Get Started

Flipping Houses in Sarasota

Sarasota offers a perfect blend of modern, big-city amenities with tranquil natural surroundings. This makes it appealing to many types of homeowners, snowbirds, and investors worldwide. It has its own International Airport (SRQ), which saw 4.3 Million passengers in 2023 and 4.25 Million in 2024.

It also has the #1 beach in the US, attracting consistent high demand for housing, especially from snowbirds all around the country. SRQ presents great potential for profitability and is considered one of the best cities for house flipping in Florida.

Sarasota has the #1 elementary school in the country (Pine View), the best overall elementary public school district in Florida, excellent private schools like Out-of-Door Academy, NewGate School, The Classical Academy of Sarasota and is home to the nearby IMG Academy. This generates consistent demand for new construction and newly renovated real estate.

As of 2025, Sarasota’s population is around 59,211 and Sarasota County hovers around 481,935 people. The healthcare sector is dominated by Sarasota Memorial Health Care System, expanding over 18% the past three years, while the rapidly expanding tourism industry is creating long-term service jobs.

Best Neighborhoods to Invest in Sarasota

The best neighborhoods to invest in Sarasota are Esplanade on Palmer Ranch, Bay Landing, The Townhomes at, Skye Ranch, Promenade East, Vintage Grand at Palmer Ranch, VillageWalk of Sarasota, Serenade on Palmer Ranch, The Landings, Midnight Cove on Siesta, The Palm Bay Club and Arbor Lakes.

Pre-approval in just 24 hours without impacting your credit!

Get Pre-Approval Today

Ready to get funding for your fix and flip project in Sarasota? Complete the form to receive a loan quote within 1-2 hours.

  • No appraisal required
  • Secure up to 90% financing
  • Close as fast as 5 days

Secure the financing you need, whether you’re a seasoned investor or just starting out. The right financial partner can make all the difference.

Request a Loan Quote

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Capital Ton LLC Logo

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 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.