One program for the whole state
Investors in Jacksonville, Tampa, Orlando, Miami-Dade, and the Panhandle get the same fix and flip terms as everywhere else we lend. The rules on leverage, experience, and credit are on the Fix & Flip program page.
Funded in as little as 48 hours once title is clear. Loans are for investment properties only, not a home you plan to live in.
What to plan for in Florida
Title, property insurance, and HOA approvals can take longer in some Florida counties. Build that time into your closing date, and ask for insurance quotes early on coastal properties.
Florida is fully within our lending area. We do not currently lend in Vermont, North Dakota, South Dakota, or Nevada.
Florida fix and flip at a glance
| Detail | CR Equity AI |
|---|---|
| Loan type | Fix & Flip — purchase and rehab in one loan |
| Maximum LTC | Up to 100% with 3+ closed projects and a loan of $1M or less; otherwise up to 95% — always capped at 75% of ARV |
| ARV cap | 75% of after-repair value |
| Minimum loan | $75,000 |
| Credit check to see terms | Soft pull only — no effect on your score |
| Fastest funding | 24–48 hours once title is clear |
| Florida office | 3458 Lakeshore Drive, Tallahassee, FL 32312 |
| Headquarters | 30 N Gould Street, Sheridan, WY 82801 |
| NMLS ID | 2797309 |
Florida borrower checklist
- An investment property anywhere in Florida
- A written rehab budget and a realistic after-repair value
- The same experience rules as our national Fix & Flip program
Not eligible
- A home you plan to live in
- RV parks and trailer parks
- Loans under $75,000
Frequently asked questions
Related pages
Direct lender. We lend our own capital. Soft credit pull only — no hit to your score to get terms.
Brokers: you can submit a client’s deal or learn about our broker program.