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Fix and Flip Loans in Florida

What Florida investors should know, with county data and city pages.

Investors flipping homes across Florida use fix-and-flip loans to cover part of the purchase and part of the renovation, then repay the balance when the property sells. Each project is judged on its numbers: purchase price, repair costs, schedule and expected resale value, along with your track record and the cash you bring. Use the city pages below for local housing data, and raise draws, permits and holding costs with a licensed loan officer before you commit.

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Florida contractor licensing: Construction Industry Licensing Board. The Construction Industry Licensing Board licenses and disciplines Florida contractors; DBPR's site lets you verify a contractor's license by name or number. Lenders funding renovation work often ask for the contractor's license and bid.

Florida transfer taxes: Documentary stamp tax. Applies to deeds and other documents that transfer an interest in Florida real property, as well as notes and recorded mortgages; it is normally paid to the county clerk or recording official when the document is recorded. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in Florida

Counties with the most homes built before 1960:

CountyHomes built before 1960
Gadsden County23.1%
Miami-Dade County20.8%
Pinellas County20.1%
Jackson County18.8%
Duval County18.6%
Escambia County17.1%
Taylor County16.1%
Monroe County14.6%
Putnam County12.9%
Bradford County12.7%
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Fix and Flip Loans by city in Florida

Common questions

What is after-repair value?

After-repair value is the estimated market value of a home once your planned renovation is complete. An appraiser or valuation professional estimates it using sales of similar renovated homes nearby. Lenders use it to judge whether the project makes sense and how much they are willing to lend. If the estimate comes in lower than you hoped, the loan amount and the cash you need may change.

Do I need flipping experience to qualify?

Not always, but it helps. Lenders often offer more favorable terms to investors with a record of completed projects. Someone on a first flip may need a bigger cash stake, a tighter scope or an experienced partner on the project. Ask a loan officer which lenders work with first-time flippers and what they would expect to see from you.

Do I need permits for a flip in Florida?

Many renovations require permits, especially electrical, plumbing, structural and mechanical work. Requirements are set locally, so check with the city or county building department for the property. Lenders and buyers' appraisers may ask about permits, and unpermitted work can delay or derail a sale. Factor permit fees and review times into your budget and schedule.

Other investor loans in Florida

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeInvestor bridge loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Fix and Flip Loans overview · Florida investor loan overview

  • Census ACS 2020-2024, table B25034
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