Florida Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Florida Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Florida (FL), lenders underwrite to a Judicial (Circuit Court Foreclosure Action) statutory framework (180–260 days-day average timeline), a 0.86% average property tax rate (~$312/mo at the $435,000 state median), and $940/$100K hazard insurance (~$341/mo).