At HouseMax, we know speed is everything in real estate investing. Our Fix and Flip Loans are designed to help Florida investors move quickly—whether you’re acquiring, rehabbing, or building. Close in days and flip with confidence—backed by a lender built by flippers, for flippers.
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many Florida Fix and Flip loans close in as little as 15 days
Florida’s housing market is entering a more balanced phase after years of runaway growth. The statewide median price now hovers around $408,800 (slightly down year-over-year) with listings lingering longer on the market.
In metros like Miami, Tampa, Orlando, Jacksonville, and Gainesville, inventory is rising, giving rehabbers more room to negotiate on acquisition costs. For example, Gainesville saw a 6.6% year-over-year home price gain, even amid broader state softness.
These shifting dynamics make now a compelling moment for fix-and-flip investors. As competition cools and sellers become more flexible, there's opportunity to buy discounted or under-priced homes, do strategic renovations, and capitalize on rent growth and renewed demand. In fast-growing metros like Orlando and Tampa, job and population growth keep pressure on housing demand, meaning you can exit quickly and profitably—with capital that moves as fast as the market does.
A fix and flip loan is short-term financing designed for real estate investors who buy properties in need of renovation, improve them, and sell them for profit. Instead of focusing on your personal income, approval is based on the property’s value, renovation plan, and after-repair value (ARV).
Typical requirements include:
- Credit score: Often 680+ (some lenders more flexible)
- Down payment: Typically 0–20% of purchase price
- Experience: Minimum of 2 flips
- Exit strategy: Clear plan to sell after renovation
- Property criteria: Residential properties in markets with resale potential
Rates are generally higher than long-term loans, starting around 8.5%–12% depending on:
- Credit profile
- Loan-to-value (LTV) and after-repair value (ARV)
- Investor experience
- Property type and location
Most fix and flip loans are short-term (6–18 months), giving investors time to renovate and resell the property. Extensions may be possible depending on the lender.
Most lenders require some skin in the game, usually 10–20% down. However, some programs may finance up to 90% of purchase price and 100% of rehab costs, based on ARV and experience.
HouseMax Funding is the Best Hard Money Lender in the Nation!
If you want to fast track the approval, fill out an application so we can understand the full picture and hopefully get you approved today.
