Florida is one of the most active flip markets in the country, with deal flow across Orlando, Miami, Tampa, Jacksonville, and the booming Southwest Florida coast. There’s no shortage of properties to buy, renovate, and resell — the hard part is funding them fast enough to win in such a competitive market. Fix and flip loans in Florida from Tidal Loans solve that: short-term, asset-based financing that funds the purchase and the rehab based on the property’s after-repair value, not your tax returns. We’ve financed Florida flippers as a direct lender since 2017, we lend our own capital, and we offer up to 100% financing on qualifying Florida deals.
A fix and flip loan is a form of hard money — the property is the collateral, and we underwrite the deal rather than your personal finances. Instead of scrutinizing your credit score, we focus on what the property will be worth after repairs. That asset-based approach is what lets us move in days instead of weeks, which is exactly what a competitive Florida market demands.
100% Fix and Flip Financing in Florida
The question we hear most from Florida flippers is whether we offer 100% financing, and on qualifying deals, we do. We can fund 100% of the purchase and 100% of the rehab as long as the combined amount stays within our after-repair-value limits — typically around 70% of ARV. When a deal fits that math, the only money you bring to closing is the closing costs, effectively a no-money-down flip. For deals above that threshold, our 100% CLTV structures let a seller or second-position lender carry the remaining equity. We walk through the full ARV math and a worked deal example on our fix and flip hub, and you can model any Florida deal with our fix and flip profit calculator.
To be clear on credit: we’re a property-first lender. We do review credit, so be cautious of anyone promising a literal “no credit check” loan, but a credit blemish that would sink a bank application usually won’t stop a Florida fix and flip deal with us.
Fix and Flip Lending Across Florida’s Major Markets
Every Florida market flips a little differently, and we fund deals across all of them.
Orlando
Orlando is one of our busiest Florida markets, with a strong supply of properties for flips alongside its huge vacation-rental demand. Our Orlando fix and flip loans fund the purchase and rehab so you can renovate and resell, or stabilize and refinance into a rental in a market that moves fast.
Miami & South Florida
Miami and the broader South Florida market — including Fort Lauderdale and Palm Beach — combine high values with intense investor competition, which can mean strong flip margins for those who can fund quickly. Our Miami fix and flip financing closes fast enough to win deals in one of the most competitive markets in the country.
Tampa & the Gulf Coast
Tampa and Florida’s Gulf Coast, including the Cape Coral–Fort Myers corridor, have become some of the strongest investor markets in the state. Our Tampa fix and flip loans and Gulf Coast financing fund flips across this fast-growing region.
Jacksonville
Jacksonville offers affordability and steady demand that make it a reliable flip market with accessible entry prices. Our Jacksonville fix and flip financing helps investors capture and renovate deals across the area.
We also fund flips in Tallahassee, Gainesville, Ocala, Naples, and the surrounding submarkets statewide.
From Flip to Hold: the BRRRR Strategy in Florida
Not every Florida project ends in a sale. Many of our investors run the BRRRR method — buy, rehab, rent, refinance, repeat. We fund the purchase and rehab, you place a tenant, and instead of selling you refinance into a long-term Florida DSCR loan that qualifies on the rent, then pull your capital back out through a cash-out refinance. You recycle that capital into the next deal and do it again. If your project needs to bridge a timing gap before permanent financing, our Florida bridge loans cover that too — and Florida’s strong vacation-rental markets make the short-term rental exit especially attractive.
Florida Fix and Flip Loan Parameters
| Property Types | 1–4 unit residential and 5+ unit properties |
| Loan Types | Fix & flip, new construction, DSCR/rental, bridge, cash-out refinance |
| Markets | Orlando, Miami, Fort Lauderdale, Tampa, Cape Coral–Fort Myers, Jacksonville, and surrounding submarkets |
| Loan Amounts | No minimum – $5MM |
| Max Leverage | Up to 100% of purchase + rehab (within ARV limits); 100% CLTV available |
| Term | Short-term, matched to your project timeline |
Frequently Asked Questions
Do you offer 100% fix and flip financing in Florida? Yes, on qualifying deals. We can fund 100% of the purchase and 100% of the rehab as long as the combined amount stays within our after-repair-value limits. When a deal fits that math, the only cash you bring to closing is the closing costs. For deals above that threshold, our 100% CLTV structures let a seller or second lender carry the remaining equity.
How does ARV affect my Florida fix and flip loan? ARV is the after-repair value — what the property will be worth once your renovation is complete, backed by comparable sales and an appraisal. We size your loan against it, typically keeping your total purchase-plus-rehab within about 70% of ARV. The stronger the spread between your total cost and the ARV, the more leverage we can offer, up to 100% financing on qualifying Florida deals.
What credit score do I need for a fix and flip loan in Florida? There’s no hard cutoff, because the property carries most of the underwriting weight. We do review credit, and a stronger score improves your terms, but a blemish that would stop a Florida bank often won’t stop a fix and flip deal with us. We focus on the deal’s margin and your plan, which is why investors with credit challenges still get funded.
How fast can a Florida fix and flip loan close? Often within a week or two when the file is clean. Because we underwrite the property rather than your income, there’s far less paperwork than a conventional loan, no tax returns to dig up, and no slow committee. In fast markets like Orlando and Miami, that speed is frequently what wins the deal over a buyer waiting on bank financing.
Can I keep the Florida property as a rental instead of selling? Yes. Many Florida investors buy and renovate with a fix and flip loan, then keep the property as a rental — long-term or short-term — by refinancing into a DSCR loan that qualifies on the rent. That’s the BRRRR strategy, and it’s especially powerful in Florida’s strong vacation-rental markets where the short-term income can be substantial.
Do you lend across all of Florida? We lend statewide. Orlando, Miami, Tampa, and Jacksonville are our highest-volume markets, but we actively fund fix and flip loans in Cape Coral, Fort Myers, Fort Lauderdale, Palm Beach, Tallahassee, Gainesville, Ocala, and the surrounding areas. Each market has its own ARVs and renovation costs, and we structure each loan to fit the property and the local market.