Florida fix and flip financing puts acquisition and rehab on one ARV-based bridge so you can move at auction speed. Buy below market across Orlando, Tampa Bay, Jacksonville, renovate on a draw schedule, and exit at resale.
Fix-and-flip economics in Florida
Margin is made on the buy and protected on the timeline. Two Florida cost lines bite flip margin: holding-period property tax at an effective ~0.86% (no homestead cap for investors; model tax at purchase price) and no state income tax on the gain — no state income tax — a core reason Florida rents are attractive on an after-tax basis. Model both before you commit to ARV.
| Metro | Typical basis | Rent band | Flip notes |
|---|---|---|---|
| Orlando | $330K–$460K | $2,000–$2,650 | STR-vs-LTR decision drives DSCR math |
| Tampa Bay | $320K–$450K | $2,000–$2,700 | 9-day closings on hurricane-resilient rehab scopes |
| Jacksonville | $270K–$390K | $1,750–$2,350 | lowest major-metro basis; military demand |
Speed comes from judicial foreclosure norms — judicial foreclosure can run a year or more — bridge timing matters. Florida’s investor-friendly framework keeps acquisition and disposition timelines predictable.
Florida flip loan terms (2026)
| Term | Florida range |
|---|---|
| Acquisition leverage | Up to ~90% of purchase |
| Rehab funding | 100% of approved scope, on draws |
| Basis | Sized to ARV ($295,000 – $450,000 typical) |
| Rate | Interest-only, ~10.5%–12% |
| Term | 6–12 months |
Local risk to scope in Florida
Insurance and hazard diligence matter in Florida:
- Hurricane wind and storm surge
- Flood-zone (AE/VE) insurance that can swing DSCR by 0.10+
- Rising property-insurance premiums statewide
Profit math on a Orlando flip
| Line | Amount |
|---|---|
| Purchase | $356,000 |
| Rehab | $75,000 |
| All-in | $431,000 |
| Carry (~5 mo @ ~11.3% IO) | $18,183 |
| ARV (conservative) | $622,000 |
| Selling costs (~8%) | $49,760 |
| Est. net before tax | $123,057 |
A workable spread — protect it with contingency. Spread compresses fast when ARV comps are optimistic or rehab runs 15%–25% over scope.
Where Florida flippers find inventory
- Orlando — STR-vs-LTR decision drives DSCR math
- Tampa Bay — 9-day closings on hurricane-resilient rehab scopes
- Jacksonville — lowest major-metro basis; military demand
Florida DBPR and local wind/flood requirements affect insurance timelines — plan builders risk early.
After the flip: hold instead?
If the numbers favor a hold, refinance into a Florida DSCR loan on the stabilized rent, or run a portfolio bridge via hard money lenders Florida.
Florida fix-and-flip FAQ
How much do Florida fix-and-flip loans cover?
Typically up to ~90% of purchase plus 100% of an approved rehab budget, sized to ARV — commonly the $295,000 – $450,000 band across Florida investor stock. Leverage depends on experience and the deal.
How fast can I close a flip loan in Florida?
Asset-based files in Florida can close in roughly 7–14 days with clear title and a workable scope — fast enough for Orlando auction and estate timelines.
What kills Florida flip margin most often?
Optimistic ARV comps and rehab overruns of 15%–25%, plus hurricane wind and storm surge. Build contingency into every Florida budget.
Get Your Florida Fix-and-Flip Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.