Fix and Flip Loans in Florida
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
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 2016, 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 fast — in days when the deal requires it, which is exactly what a competitive Florida market demands.
Up to 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 — up to 75% 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
Loan Details
Frequently Asked Questions
On qualifying Florida deals, yes. We can finance up to 100% of the purchase and 100% of the rehab as long as the total loan stays within our ceiling of 75% of the after-repair value. When the numbers are tighter, we can structure the balance with a seller second or second-position financing to reach 100% of cost. The wider the spread between your all-in cost and the ARV, the more leverage we can offer — so the deal, not a blanket promise, sets your real number.
On most Florida deals we finance up to 90% of the purchase and 100% of the rehab, and on the strongest files up to 100% of total cost. Every loan is capped at 75% of the after-repair value, so your true leverage depends on the spread between cost and ARV rather than a fixed down-payment percentage. Bring us the numbers and we’ll size it against the property.
There’s no minimum credit score. We do run a hard credit pull — any legitimate lender does, and you should be wary of anyone promising no credit check — but a lower score doesn’t disqualify your deal. It’s priced in: a lower score means a higher rate, lower leverage, or more reserves, while strong credit earns the best terms. The property and the spread carry most of the underwriting weight.
Fast. Because we’re a direct lender underwriting the property rather than your personal income, there’s far less paperwork than a conventional loan — no tax returns to chase and no slow loan committee — so we can close in days when the deal requires it. In competitive markets like Orlando, Tampa, and Miami, that speed is often what wins the property over a buyer waiting on bank financing.
No. Tidal Loans finances investment property only — fix and flips, rentals, and other business-purpose real estate. We never lend on primary residences or owner-occupied homes, in any program.
Yes, and most of our investors do. These are business-purpose loans, so vesting in an LLC is fully supported and usually recommended for liability protection and cleaner books. You’ll provide your entity documents during underwriting, and a loan closed in your LLC generally won’t appear on your personal credit.
Statewide. We’re most active in the major investor markets — Orlando, Tampa, Miami, Jacksonville, and the surrounding metros — but we finance fix and flip deals across Florida wherever the numbers work.
Ready to fund your Florida deal?
Get a fast quote from a direct lender — or call and walk it through with us.