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.
When Florida flippers use bridge capital
| Situation | Why fix-and-flip fits |
|---|---|
| Distressed SFR with deferred mechanical | ARV-based bridge funds scope banks decline |
| Value-add resale in Tampa Bay | Interest-only carry through rehab and list |
| First-time sponsor with strong GC | Conservative LTC with milestone draws |
| Pivot to hold after rehab | Exit to Florida DSCR if rent supports coverage |
| Auction or estate acquisition in Orlando | Close in 7–14 days when banks cannot |
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 |
|---|---|
| Scope risk | Wind mitigation and Citizens depopulation — bind coastal quote on exact parcel, not inland county average |
| 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, 8.99%–13.5% |
| Term | 6–12 months |
Local risk to scope in Florida
Florida carries specific physical-risk lines you must price before close:
- Hurricane wind and storm surge
- Flood-zone (AE/VE) insurance that can swing DSCR by 0.10+
- Rising property-insurance premiums statewide
Rehab scope and draw discipline in Florida
Tampa rehab scopes typically run $28,000 – $68,000 against $245,000 – $385,000 sold-comp targets. Model 7–10 months close-to-list with 15%–20% contingency; front-load mechanical draws on Tampa files before cosmetic inspection passes.
Profit math on a Orlando flip
| Line | Amount |
|---|---|
| Corridor | Tampa |
| 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 |
Tampa margins stay healthy on conservative sold comps.
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?
When Tampa rent supports hold math, exit to Florida DSCR; when resale is stronger, recycle via fix and flip Florida. Wind mitigation and Citizens depopulation — bind coastal quote on exact parcel, not inland county average.
When fix-and-flip is wrong for Tampa
- Tampa rent roll supports hold — stabilize into DSCR Florida
- Owner-occupied house-hack — business-purpose bridge does not apply
- Unpriced scope risk — fix the line-item budget before IO carry
Florida fix-and-flip FAQ
How much can I borrow on a Florida flip?
Lenders size Florida files to sold comps near $245,000 – $385,000 on Tampa stock — typically ~90% of purchase plus 100% of approved rehab, capped near 70%–75% of ARV on conservative first deals.
What local risk changes Florida scope?
Wind mitigation and Citizens depopulation — bind coastal quote on exact parcel, not inland county average.
How fast can I close in Tampa?
With clear title and a line-item scope, Tampa auction and estate files often fund in 7–14 days when title and the scope file are already documented.
Florida fix-and-flip carry model
Wind mitigation and Citizens depopulation — bind coastal quote on exact parcel, not inland county average.
Typical Florida ARV spans $245,000 – $385,000 with $28,000 – $68,000 rehab scopes across Tampa, Jacksonville, and Orlando exurban. Underwrite 7–10 month hold at 8.99%–13.5% IO before list — not active-listing ARV. Model investor property tax and landlord insurance on the parcel before draw one.
On Tampa acquisitions, tie each draw to inspection milestones so change orders do not force a scope reset mid-project. Hold exit: DSCR Florida.
Florida flip carry discipline — Tampa Bay sold comps (2026)
- Orlando imports fail underwriting — comp within 0.5 mi on matching bed/bath in Tampa Bay.
- Tampa Bay flip closed in 9 days with hurricane-resilient rehab scope funded 100%.
- Reserve two to four months IO beyond rehab — ~0.86% property tax and investor insurance on exact PIN.
Orlando ARV $295,000 – $450,000 · flip bridge 8.99%–13.5% IO · Pre-qualify · (833) 264-7776.
Get Your Florida Fix-and-Flip Quote · (833) 264-7776
Building new across Miami, Orlando, Tampa, or Jacksonville? Metro impact fees and the insurance math sit in Florida spec home construction loans.
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.