Florida Property Investment Loans

Designed for both seasoned and new investors in Florida’s real estate market, our hard money loans finance up to 90% of the purchase price and 100% of rehab costs.

Reasons to Choose Investors Mortgage Group for Your Florida Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Florida

Our Approach to Evaluating Hard Money Loans in Florida

At Investors Mortgage Group, we carefully assess hard money loan opportunities in Florida by analyzing the property’s current value, after-repair value (ARV), and the borrower’s experience and exit strategy.

We Focus on Profitable Projects

We fund deals that show strong potential for success. This usually includes:

Loans up to 75% of After Repair Value (ARV)

Projects targeting at least a 20% projected ROI

ARVs supported by credible sold comps, not inflated listings
We aim for win-win projects where our borrowers achieve success.

We Align Rehab Scope With Investor Experience

Financing access grows as investors build their track record:

Beginners should focus on moderate rehabs (Rehab ≤ 50% of Purchase Price)

Intermediate investors with 1–2 completed projects can pursue heavy rehabs (Rehab ≤ 100% of Purchase Price)

Experienced investors with 3–5+ projects can finance larger expansion projects
Most successful house flippers and BRRR investors follow a repeatable strategy with light to moderate rehabs.

We Reward Creditworthy Borrowers

While loans are asset-based, credit remains important:

Strong credit is a key indicator of successful fix-and-flip projects

High credit utilization is common among real estate investors and is acceptable for underwriting

Borrowers with scores above 660 are eligible, and we are happy to work with them and their team

Lending in Strong Florida Submarkets

oan leverage is based on local market conditions:

Up to 75% LTARV in Florida’s strongest markets, and more conservative (e.g., 65% LTARV) in declining areas

In 2025, metros like Tampa, Miami, and Orlando have shown softening, making them better suited for experienced investors

Markets like Jacksonville and Pensacola remain stable and are ideal for first-time investors
Investors Mortgage Group will always fund a great deal in any Florida market when the opportunity aligns with our criteria.

Details of Our Florida Hard Money Loan Products

Florida Fix and Flip Loan Beginner

Perfect for first-time investors or experienced investors scaling their rental portfolio.

  • Up to 90% Loan-to-Cost (LTC) and 100% Rehab with 740+ credit

  • Up to 80% Purchase + 100% Rehab with 720+ credit

  • Up to 75% Purchase + 100% Rehab with 660+ credit

  • Max 75% Loan to After-Repair Value (LTARV)

  • Interest Rates from 10.75% to 11.25%

  • Origination Fee: From 2.0%

  • Loan Size: $50,000 to $2,000,000

  • Moderate Rehab Only (Rehab ≤ 50% of Purchase Price)

Florida Fix and Flip Loan Intermediate

Designed for investors with 1-2 experiences and larger rehab goals.

  • Up to 90% LTC + 100% Rehab with 740+ credit

  • Up to 80% Purchase + 100% Rehab with 680+ credit

  • Up to 75% Purchase + 100% Rehab with 660+ credit

  • Max 75% Loan to After-Repair Value (LTARV)

  • Intersest Rates from 10.65%–11.25%

  • Origination Fee From 2.0%

  • Loan Size $50,000–$2,500,000

  • Heavy Rehab Allowed (Rehab ≤ 100% of Purchase)

Florida Fix and Flip Loan Pro

Ideal for experienced investors with 3-5+ experiences pursuing heavier rehab projects.

  • Up to 90% LTC + 100% Rehab with 720+ credit

  • Up to 85% Purchase + 100% Rehab with 680+ credit

  • Up to 80% Purchase + 100% Rehab with 660+ credit

  • Max 75% Loan to After-Repair Value (LTARV)

  • Interest Rates from 10.5% to 10.75%

  • Origination Fee: From 1.5%

  • Loan Size from $50,000–$3,500,000

  • Expansion Projects and lopsided rehabs allowed

Frequently Asked Questions

How Do Hard Money Loans Work in Florida?

Hard money loans in Florida are short-term, property-backed financing options designed for real estate investors to purchase, renovate, or construct investment properties. Loan approval is primarily based on the property’s current value, after-repair value (ARV), your investment experience, and credit score—not personal income. Florida hard money lenders, such as Investors Mortgage Group Capital, can close loans in as little as 7–10 days, making them ideal for competitive markets like Miami, Tampa, Orlando, and Fort Lauderdale.

Are Fix-and-Flip Loans the Same as Hard Money Loans?

Yes, fix-and-flip loans are a form of hard money financing. They are specifically structured to help investors quickly access capital for purchasing and renovating distressed properties before selling them for a profit. For more details, see our complete guide to fix-and-flip loans.

Can I Finance 100% of My Fix-and-Flip With a Hard Money Loan?

In Florida, Investors Mortgage Group typically requires investors to contribute 10–20% of the total project cost as a down payment. However, seasoned investors—or those with strong credit—may qualify for up to 90% Loan-to-Cost (LTC) and full coverage of rehab expenses, effectively funding 100% of the renovation budget.

How Quickly Can I Close a Hard Money Loan?

In Florida, Investors Mortgage Group can close hard money loans in as little as 7–10 business days, depending on appraisal completion and document turnaround. This fast funding makes them ideal for investors competing with cash buyers in competitive markets such as Miami, Jacksonville, Tampa, and Orlando.

Do Hard Money Loans Require a Good Credit Score?

While credit scores are considered, Investors Mortgage Group’s hard money loans prioritize the property’s value and your exit strategy. Borrowers with scores as low as 660 can qualify, and those with scores above 740 may receive more favorable terms.

Can I Use a Hard Money Loan for a BRRRR Project in Florida?

Yes, many investors in Florida utilize our hard money loans to buy and renovate a property, then refinance with a Florida DSCR loan to hold it as a rental. You can use our BRRRR Calculator to analyze your project and potential returns.

Top Florida Cities for Real Estate Investment

Orlando

Orlando continues to be a major tourism hub, attracting 75.3 million visitors in 2024, which supports consistent demand for short-term rentals and seasonal occupancy trends. As of June 2025, the median home sale price is around $404K, largely unchanged from last year, though properties are spending more time on the market. Rents have softened in certain submarkets, particularly at higher price points, so conservative rent projections are recommended. Investor takeaway: Orlando remains a strong market for short-term rental and tourist-focused flips, but expect increased competition and longer holding periods in 2025—prioritize deals with realistic rental comps and conservative ARV assumptions.

Tampa

Tampa’s metro shows clearer signs of cooling: median sale price ≈ $437K (June 2025), down ~12.7% YoY, and inventory has meaningfully risen, giving buyers more leverage. Average rents are roughly $2,000–$2,200/month (mid-2025) depending on neighborhood. Local redevelopment (Water Street, USF medical projects) continues to add demand in downtown pockets, but broader price pressure means underwriting must be conservative.What this means for investors: Bigger inventory and longer marketing times are shifting leverage back to buyers. Higher-risk, high-ticket flips are harder; opportunistic investors can buy at lower entry points but must budget for longer holds and marketing costs.

Miami

Miami’s real estate market has a median sale price of approximately $627K as of June 2025, slightly down year-over-year, with days on market increasing—particularly outside the luxury segment. Luxury and waterfront properties continue to see strong demand, while mid-market homes and condos experience higher supply and longer sale times. Some neighborhoods also show elevated delisting rates and increased inventory, signaling buyer caution and localized oversupply.

Jacksonville

Jacksonville’s real estate market shows relative stability compared to other Florida metros. As of June 2025, the median sale price is around $301K, reflecting modest year-over-year declines. The city continues to experience population and job growth—ranking among the fastest-growing U.S. cities in 2024—which supports long-term rental demand and BRRRR strategies. While days on market have increased slightly, acquisition costs remain more affordable than in many other Florida metros.

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