How fast can you actually close?

We can close Fix & Flip loans in as few as 7 days. Timing depends on title clearance and appraisal, but our process is built for speed. We know that in the flip market, a fast close often means winning the deal.

How much of the renovation costs are covered?

Up to 80% of renovation costs are financed, plus up to 75% of the purchase price. Renovation funds are disbursed in draws as work is completed and inspected.

Can I use this for a property I already own?

Fix & Flip loans are primarily for acquiring and renovating properties. If you already own the property, a cash-out refinance or DSCR loan may be a better fit. Call us to discuss your specific situation.

Fix & Flip Loans in Florida

Key Details

Loan Range

$50K – $5M

Term

12 Months

Rates From

10%

Fastest Close

7 Days

Who Is This For

Who is this loan for?

Fix & Flip loans are designed for real estate investors who buy distressed properties, renovate them, and sell for a profit. Speed is everything in this market — Swiftlend can close in as few as 7 days.

Real estate investors flipping 1-4 family homes, condos, or townhomes

Borrowers needing up to 75% of purchase price and 80% of renovation costs

Investors who need fast closings to win competitive deals

Investment properties only — not for primary residences

How fix & flip financing works in Florida

A fix and flip loan is short-term financing that lets a real estate investor buy a distressed property, renovate it, and resell it for a profit. Unlike a traditional mortgage tied to your income, this loan is underwritten around the property itself and the projected after-repair value. It is designed for 1-4 unit homes, condos, and townhomes held as investments, not primary residences. Speed matters most in Florida's competitive markets, so the structure prioritizes fast acquisition and staged renovation funding.

Fix and flip loans typically finance a portion of the purchase price plus a share of the renovation budget, with rehab funds released in draws as work is completed and inspected. Because approval leans on the deal rather than tax returns, documentation is lighter than a conventional loan: expect a scope of work, a renovation budget, property details, and your investing experience. Lender partners review the as-is value and after-repair value to size the loan and set the short-term period around your project timeline.

Swiftlend is a licensed Florida mortgage broker (NMLS #402985) based in Miami, and we arrange fix and flip financing through investor-focused lender partners across the state, from Miami-Dade and Broward to Tampa, Orlando, and Jacksonville. Because we shop multiple lenders, we can match your flip's numbers and timeline to the right program without you chasing quotes yourself. Whether it's your first flip or your fiftieth, tell us about the property and we'll work to get you pre-approved.

How It Works

Pre-qualification

Tell us about the property, your purchase price, and your renovation budget. We review the deal and your investing experience, then match it to lender partners to give you a clear picture of loan size and structure before you commit.

Documentation & underwriting

You provide a scope of work, renovation budget, property details, and basic borrower information. Underwriting focuses on the deal rather than your personal income, weighing the as-is value and the projected after-repair value of the property.

Property valuation

An appraisal or valuation confirms the current condition and the after-repair value your budget is expected to create. This sets the final loan amount, the purchase and renovation portions financed, and the draw schedule for releasing rehab funds.

Closing & draws

After title clears, you close and receive the acquisition funds. Renovation money is released in draws as work is completed and inspected, so you fund the project in stages and stay on track to resell the finished property.

Fix & Flip Mortgage