Financing your Florida fix-and-flip project — hard money, bridge loans, and renovation lending options.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Hard money: 65-75% of ARV (after-repair value), 12-18% rates, 7-14 day close
- Bridge loans: short-term financing (6-12 months)
- FHA 203(k): buy and renovate with one loan (owner-occupied)
- Fannie Mae HomeStyle Renovation: conventional option for buy-and-renovate
- Key metrics: ARV, rehab budget, holding costs, profit margin
- Florida flip market: strong in Orlando, Tampa, Jacksonville, and coastal areas
- No FL state income tax on flip profits (federal capital gains apply)
- Licensed contractor required for most renovation lending programs