Florida fix and flip — what to know
Florida is a judicial-foreclosure state, which historically meant longer recovery timelines and slightly tighter pricing from hard money lenders. Our Optimal program adjusts for that automatically — judicial-state ARLTV caps are 70% (vs 75% non-judicial) to keep the loan well-collateralized through the longer Florida foreclosure process.
The good news: Optimal works in any Florida city, no approved-area restriction. Whether you're flipping in Miami-Dade, Broward, Palm Beach, Orange, Hillsborough, Duval, or any other county, the calculator below gives you binding-quality numbers.
Our 100% financing program (Velocity) is not currently available in Florida — capital partner footprint. That's why this page focuses on Optimal, which delivers the lowest rates we can offer in Florida (9.25%–11.25% interest-only depending on your file).
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Open Florida calculator →Florida fix and flip loan FAQ
Why isn't 100% financing available in Florida?
Our 100% financing program (Velocity) is backed by a capital partner whose Florida footprint isn't currently active. We expect that to change as their lending box expands, but for now Florida deals route exclusively through Optimal — which still offers strong leverage (typically 80–95% LTC) at meaningfully lower rates than the 100% program (9.25%–11.25% vs 12.99%).
What leverage can I get on a Florida fix and flip?
Optimal in Florida caps at 70% of ARV (judicial-state cap) with LTC ranging from 80% (0 prior flips) to 95% (10+ flips, 720+ FICO). Use the calculator to see your exact tier — it pulls live from our rate matrix.
Are there extra requirements for Florida flips?
Yes — three Florida-specific items to budget for:
- Hurricane-zone hazard insurance. Florida policies often run higher than Texas/Georgia equivalents and may require separate wind coverage. Our calculator's $250/mo default may understate carry on coastal flips.
- Flood insurance. Required in FEMA-designated flood zones; loan amounts above $250K may also require private market flood coverage.
- Title chain. 24-month chain of title required (standard); some Florida counties have HOA estoppel processing delays — plan accordingly.
How fast can a Florida fix and flip loan close?
Typical close is 12–18 business days, slightly longer than non-judicial states like Texas due to title and insurance underwriting. Submit via the calculator's "Get your real quote" CTA — we'll lock you a closer within 24 hours.
Not in Florida? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .