# Fix & flip Loans in Florida

> Explore Florida fix & flip financing, a tailored loan calculator, illustrative deals and the documents to prepare for your property review.

Canonical page: https://hardmoneylendersflorida.net/florida-fix-and-flip-loans

Reading copy generated: 2026-10-06. Content follows the public page; navigation, images and interactive controls are omitted.

Florida Fix & flip

## Fix & flip financing. Built around your deal.

Buy the potential. Fund the transformation. Explore a Florida investment-property scenario, run the numbers and share your plan.

[Discuss your Florida deal](https://hardmoneylendersflorida.net/submit-your-deal) [Explore the numbers](https://hardmoneylendersflorida.net/#calculator)

Illustrative property photography

Who this is for

## Start with the strategy.

### Fix & flip in Florida

Investors purchasing and renovating a property for resale.

Build the renovation scope around comparable completed sales. Separate the purchase advance from the rehab holdback, then budget for draws, carrying costs and the sale.

Have these ready

- Purchase contract

- itemized renovation budget

- comparable sales

- experience summary

Program availability and terms are subject to review.

Investor resources

## Prepare before you compare.

[First hard money loan? Start here](https://hardmoneylendersflorida.net/florida-hard-money-loans-for-beginners)  [Questions to ask a Florida lender](https://hardmoneylendersflorida.net/choosing-a-florida-hard-money-lender)

Florida fix-and-flip loans

## Plan the purchase advance and the rehab draws.

A fix-and-flip loan request should show the purchase price, itemized repairs, expected hold and supported resale value separately. Ask which costs the initial advance covers, how rehabilitation funds are released and whether interest applies to the committed or drawn balance.

Use a property-specific insurance estimate and include taxes, utilities, selling costs and contingency. Compare an on-time sale with a delayed exit before deciding how much cash the project needs.

[Prepare your first renovation loan](https://hardmoneylendersflorida.net/florida-hard-money-loans-for-beginners)

Plan your financing

## Move the sliders. See the numbers.

Explore an illustrative scenario. Change any assumption to see how it affects the estimate.

Interactive calculator: [read the calculation methods and assumptions](https://hardmoneylendersflorida.net/calculator-methodology.md), or [use the calculator](https://hardmoneylendersflorida.net/calculators). Outputs are illustrative estimates, not loan quotes.

Example financing scenarios

## See a relevant financing scenario.

Illustrative financing scenarios, not actual company closings or offers.

[Illustrative deal](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

Tampa, FL · Fix & flip

### [A bungalow with a second chapter](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

**$500,000**

Example loan amount

- **After-repair value**: $800,000

- **Loan / value**: 62.5%

- **Example term**: 12 months

- **Example closing**: 8 days

[View the scenario](https://hardmoneylendersflorida.net/deal-tampa-bungalow)

[Explore all deal examples](https://hardmoneylendersflorida.net/recently-funded)

What to expect

## A clear conversation from the start.

### Understand the next step

Discuss the information needed to review your property and financing request.

### Review the numbers

Talk through costs, conditions and the proposed repayment plan before making a decision.

Good questions

## Questions about fix & flip?

Know what to expect before you take the next step.

[Talk through your deal](https://hardmoneylendersflorida.net/submit-your-deal)

### Is this a loan quote?

No. Calculator outputs and example deals are illustrations. A loan request must be reviewed before any offer is made.

### What will the team need to review?

Purchase contract; itemized renovation budget; comparable sales; experience summary.

### Can a Florida deal close in 48 hours?

Funding depends on approval, complete documentation and closing readiness. A target is not a guaranteed closing time.

Across Florida

## Local detail matters.

[**Miami** Miami-Dade County](https://hardmoneylendersflorida.net/miami-hard-money-loans) [**Fort Lauderdale** Broward County](https://hardmoneylendersflorida.net/fort-lauderdale-hard-money-loans) [**West Palm Beach** Palm Beach County](https://hardmoneylendersflorida.net/west-palm-beach-hard-money-loans) [**Orlando** Orange County](https://hardmoneylendersflorida.net/orlando-hard-money-loans) [**Tampa** Hillsborough County](https://hardmoneylendersflorida.net/tampa-hard-money-loans) [**Jacksonville** Duval County](https://hardmoneylendersflorida.net/jacksonville-hard-money-loans) [**St. Petersburg** Pinellas County](https://hardmoneylendersflorida.net/st-petersburg-hard-money-loans) [**Naples** Collier County](https://hardmoneylendersflorida.net/naples-hard-money-loans) [**Boca Raton** Palm Beach County](https://hardmoneylendersflorida.net/boca-raton-hard-money-loans) [**Miami Beach** Miami-Dade County](https://hardmoneylendersflorida.net/miami-beach-hard-money-loans) [**South Florida** Regional guide](https://hardmoneylendersflorida.net/south-florida-hard-money-loans)

## Your next move starts here.

Tell us about the property. Let’s get clear on what comes next.

[Submit your deal](https://hardmoneylendersflorida.net/submit-your-deal)

## Site-wide context

Funding is subject to underwriting, approval, complete documentation and closing readiness. Availability and terms depend on the property, location and transaction. A 48-hour target is not a guaranteed funding commitment. Calculator figures and deal examples are illustrative, not offered terms or actual company closings. Property and people photography does not depict actual staff, borrowers or funded transactions.