Florida is one of the hottest fix-and-flip markets in the country, with Miami, Tampa, Orlando, and Jacksonville all delivering strong investor returns. No state income tax and a booming population make Florida a top destination for real estate investors. Here are the best hard money lenders actively lending in Florida right now.
Top Hard Money Lenders in Florida
| Lender | Rate From | Max LTV | Close Time | Min Credit |
|---|---|---|---|---|
| RCN Capital ⭐ Best Rate | 8.75% | 85% | 7 days | 620 |
| Kiavi | 9.25% | 90% | 10 days | 640 |
| Lima One Capital | 9.75% | 75% | 14 days | 600 |
| CoreVest Finance | 9.50% | 80% | 10 days | 620 |
Best Florida Markets for Fix and Flip
Tampa Bay
Tampa Bay is one of the fastest-growing metros in the Southeast. Strong job growth, a booming tech sector, and affordable entry prices compared to Miami make it an ideal fix-and-flip market. Average flip profits run $45,000–$75,000 per deal.
Orlando
Orlando’s tourism economy and major employers like Disney, Lockheed, and Amazon create consistent housing demand. Strong short-term rental potential makes Orlando properties attractive for BRRRR investors as well as flippers.
Jacksonville
Jacksonville offers some of the most affordable entry prices in Florida, with strong appreciation trends and a large military population providing stable rental demand. An excellent market for investors working with tighter budgets.
Florida Hard Money Loan Requirements
- Minimum credit score: 600–640 depending on lender
- Down payment: 10–25% of purchase price
- Non-owner-occupied investment property only
- Clear exit strategy within loan term
- Property appraisal or BPO required